Business Banking Relationship Manager Associate

Position is responsible for acquiring new small business relationships and proactively deepening the relationships of small business customers with annual revenues equal to or less than $5,000,000.

Focus on acquisition of new small business relationships and retention/deepening of existing relationships
• Responsible for loan and deposit growth, cash management, and any other product solutions appropriate for the customer base to grow market share
• Proactively focus on acquisition of new small business relationships and retention/deepening of existing relationships by making a substantial number of outbound calls to service existing clients, to prospect for new ones, to network and to seek referrals
• Attains an understanding of business operating cycles and the client's financial needs and strategies in order to promote lending strategies or product solutions to meet those needs
• Develop a broad knowledge of bank products and services that results in successfully identifying appropriate opportunities to sell the bank's products
• Compliance with established policies and procedures for commercial lending and follow appropriate controls to prudent behavior which is in compliance with the bank's risk appetite including loan and credit quality
• Effectively manage portfolio to comply with stated goals relative to past dues, non-performing loans, risk rate identification, and collateral and financial statement exception levels
• Perform additional duties as assigned.

• Bachelor's degree preferably in a business/finance associated major, or relevant job experience
• Minimum one year of proven sales experience and or progressive small business lending or credit experience or equivalent
• Practical working knowledge of sales principles
• Effective oral and written communication skills
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment
• Ability to work accurately with close attention to details
• Proven track record of sales and outside calling skills
• 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
• Proven ability to build and maintain relationships
• Community Leadership preferred
• Presentation Skills preferred
• Strong computer skills preferred
• Experience with small business lending risk analysis preferred
• Developed an understanding of lending and credit approval process as well as pertinent bank policies and external regulations preferred
• Prior experience with products and services offered by financial services institutions preferred
• Ability to understand core business products and services preferred