Summary

Drives employee engagement by enabling a positive work environment that inspires, motivates, challenges, supports and provides ongoing recognition for exceptional performance.  Establishes and maintains each market's business relationships with assigned branch personnel.  Expands the reach of small business relationships by joint efforts with those personnel. 

 

As a trusted advocate for small businesses within local market, the Business Banking Relationship Manager will be responsible for understanding customers and prospects unique depository, lending and digital banking needs to support growth. Manages the borrowing and depository relationships for small business and related business clients and solicits and develops new bank clients through direct sales calls.  Responsible for growing book of business through advanced cash flow conversations but fostering current relationships to ensure client satisfaction. Responsible for the development of community and business relationships as necessary to facilitate sales referrals and to maintain knowledge of local business conditions to support the banks growth and other goal initiatives including but not limited to the bank's CRA activities.  

 

                                               

Essential Function

Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing.  You will also be expected to complete all assigned compliance training in a timely manner.

 

 

Essential Duties and Responsibilities include the following; other duties may be assigned.

Practices the standards of the Better Banking Pledge and Service & Support Pledge. Manages lending and deposit relationships with small business customers.  Becomes fluent in Business Banking Cash Flow behaviors, practices and needs to best identify client solutions including deposits, loans and fee income opportunities. Serves as primary contact for Business Banking clients and prospects within identified branch network, meeting all required follow up tasks in timely manner. Continually monitors performance against set production goals and adjusts priorities as needed to meet those goals. Drives customer understanding and adoption of digital banking and treasury management services to accelerate cash flow conversion cycle and reduce risk. Serves as Digital Banking Champion for Business Clients and Prospects to ensure adoption and understanding of available tools. Ongoing support of the bank's sales culture.  Originates, develops and maintains relationships with business customers for both lending and depository accounts, through direct and ongoing sales calls and referrals. Drives partner and in-branch relationships to foster culture of needs identification and referrals. Actively coaches branch management staff on Business Banking opportunities and related products Maintains and effectively manages individual business portfolios in all respects (i.e., financial and documentation exceptions, reviews, and collection activities in support of centralized collection and/or assigned collection activities). Partners closely with Commercial Banking, Private Banking and other lines of business to ensure customer needs are met, actively referring relationships to partners when appropriate. Works closely with assigned Retail and assigned Branch banking small business personnel to train and develops relationships that encourages referrals and builds a strong partnership; develops non-traditional partners to meet common goals. Gathers all necessary financial information needed to submit complete applications to centralized lending and then works with the Business Banking Support department to obtain approval or denial of credit request; manages closing process to ensure complete documentation and booking of loan. Works closely with the Special Asset Unit and Commercial Collections in the collection of past due loans and workout of problem credits, as needed. Analyzes financial statements and customer profiles to support the needs of existing and new potential customers.  Conducts sufficient financial analysis of proposed transactions and requests from lending customers so as to sufficiently screen those transactions presented for credit analysis and approval for probability of success. Work with the Business Banking Support and Credit Analyst group to effectively and efficiently manage the credit analysis and decision submission process for those transactions and customer relationships.  Responsible for the prompt delivery of all credit decisions as well as negotiating structure issues with clients. Provides loan structures to meet customer needs and ensures appropriate documentation exists in order to adequately protect the bank. Actively participates in community and civic organizations to establish and maintain portfolio of Centers of Influence to originate new business opportunities. Follows up on all internal and external customer referrals.  Actively supports all internal business units by providing quality referrals through development of community and business relationships. Adopts and adheres to strong Risk Management culture through in-depth knowledge of client behaviors and relationships to mitigate bank and client losses. Assist with the coordination of CRA lending initiatives within the corporate lending department. Other duties and special projects as may be assigned

 

Supervisory Responsibilities                                            

This position has no direct supervisory responsibilities but will provide training, mentoring and coaching to other employees responsible for referring to and completing Business Banking duties.