Sr Commercial Relationship Manager I

About the role

As a Relationship Manager (“RM”), you will handle multi-faceted relationships by calling on prospective and existing clients to generate loans, deposits, and fees within a geographic area. You will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products. The position is generally located in a market hub or other high business potential area.

Responsibilities

• Develop new and expand existing client relationships through proactive business development activities, reviewing clients’ financial needs, and cross-selling products and services.
• Grow and maintain a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develop a comprehensive understanding of clients’ needs by reviewing and analyzing personal and financial data.
• Qualify prospects by collecting and analyzing financial and related data to determine creditworthiness and loan request merits.
• Prepare and oversee loan approval requirements, including underwriting to ensure the structure meets borrower and bank needs.
• Obtain appropriate credit approval and negotiate terms such as pricing, fees, repayment methods, collateral requirements, etc.
• Manage portfolio credit quality, including monitoring past due credits, non-performing loans, credit exceptions, and covenant compliance.
• Actively participate in community, civic, and professional organizations on behalf of First Financial Bank.
• Refer loans to the loan committee for approval.
• Understand clients’ financial goals, provide credible advice, and recommend suitable products.
• Understand clients’ business priorities and refer them to other lines of business as appropriate.
• Market products and services, including preparing for client calls, making sales calls, and following up.
• Monitor and enhance profitability on all assigned relationships.
• Participate in achieving corporate sales and service goals to build customer relationships and enhance shareholder value.

Requirements

• Bachelor’s degree.
• Seven (7) years of proven relationship/account management experience selling banking products in the appropriate segmentation.
• Excellent interpersonal, written, and verbal communication and presentation skills.
• Strong organizational skills with the ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• In-depth product knowledge.
• Credit training, credit quality, and underwriting experience, including financial analysis.

Preferred Qualifications

• Experience working in Capital Markets and/or within the Middle Market space ($50MM+).

Pay

$130,000/year to $210,000/year.

Benefits

Comprehensive benefits and programs supporting holistic wellbeing. Review our Benefits Guide for details.

All roles (except Co-Op, Intern, or Student positions) are incentive eligible.