Description At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals. The Relationship Manager in the Virtual Channel is focused on understanding their customer’s needs and building deep relationships with them. Consistent communication and call preparation is critical in understanding their customer’s needs and providing tailored solutions to meet them. In developing these solutions the Relationship Manager will use many resources and a comprehensive set of products. Successful RMs in this channel will have comfort in using technology and digital tools in managing their customers and working with their key business partners. These individuals will be self motivated, have a good understanding of business banking solutions such as credit, deposit, cash management and other services. It is critical that the RM has developed the skills to independently assess and determine product solutions to help customers. The RM will be agile, able to adapt to change and thrive in a fast paced team environment. The RM will manage a portfolio of 400-600 small business customers. The RM will focus on businesses with revenues up to one million in revenue. They will be responsible for credit relationships up to one million and understanding and meeting a wide range of other customer needs. The RM will also be expected to pursue referrals from customers as they occur in the relationship building process. The RM will operate in an exciting sales culture with proven routines to help understand and meet customer needs. The RMs will be goaled on, and expected to generate, new loan, deposit, cash management and other product solutions appropriate for the customer base. Meeting sales targets will require strong credit acumen and the ability to work well with Citizens underwriting team. The RM will be also be expected to have the ability to have in-depth cash flow cycle conversations with customers with the goal to recommend the appropriate Cash Management and or other solutions. RMs in this channel will have high expectations for keeping in touch with their customers which will be expected to drive high levels of customer satisfaction. Communication with customers will initially be mostly virtually via telephone, Teams and through email. Over time additional forms of communication are expected to be added such as chat and video. Other technologies to help customers such as “screen sharing” and other digital forms of communication will be considered. Additional targeted marketing support is expected to be built for the Channel to help educate customers, expand RMs abilities to improve and expand relationships with them. Given this is a new channel, using new technologies and approaches, feedback from the RMs will be critical in continuously improving how the Bank helps customers and improves the overall effectiveness of this important relationship management channel. Primary responsibilities include + Candidate must to report to the Citizens office location daily, this is not a remote based position. + Understand customer situation and needs + Conduct extensive Pre Call Planning and preparation by leveraging sales tools and resources such Vertical IQ, Salesforce.com and other research tools. + Proactively perform Discovery Calls with customers and prospects to further understand their needs and be able to make appropriate recommendations for business solutions. This will require independent thinking and analysis by the RM as they work to understand customer and prospect business relationships and needs to determine which products best meet their financial circumstances. + Proactively make out bound Presentation Sales Calls to recommend appropriate business solution. These solutions will include a wide range of products and services and leverage our new digital solutions including VantageLink. + Consult with a wide range of partners to help meet the business and personal financial needs of our customers and prospects. These solutions includes loan, deposit, cash management, merchant, payroll, wealth management and many others. The RMs will lead making product recommendations and be expected to quarterback all prospective and active deals while being the primary contact and liaison between the customers and partners. + Ensure the service needs of customers are met by working with key colleagues including their Relationship Support Specialist (RSS), Contact Center and other areas that can help the customer. + Complete administrative task including daily Salesforce.com sales & calling reporting. Adhere to compliance requirements. Qualifications, Education, Certifications and/or Other Professional Credentials + Bachelors Degree or equivalent combination of education and experience, required. + 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred. + Business to Business sales experience required. + Motivated self starter with demonstrated leadership ability and potential. + Successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network. + Ability to succeed in a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, cross sales, customer service and satisfaction + Proficiency with portfolio/account management preferred. + Ability to understand core business products and services. Proven track record of sales and outside calling skills. + Excellent communication (written & verbal) and interpersonal skills. + Ability to develop strong customer and colleague relationships. Monday through Friday 40 hours per week #LI-citizens4 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity At Citizens, we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. Equal Employment and Opportunity Employer Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.