Business Banking Relationship Manager

Description Job Overview Focuses on acquisition of new members and deepening relationships with existing member portfolio of businesses with annual sales from $1 to $10 million. Cultivates and utilizes a strategic network of local centers of influence in the market that can be leveraged into profitable relationships. Maintains strategic relationships with all Citadel lines of business to effectively refer business and leverage partnerships to deepen and enrich the 360 member experience. Working as the trusted advisor, proactively manages the member relationship by selling and promoting a broad array of appropriate financial products and services, providing pertinent financial information to clients and identifying/referring cross-organization solutions. Researches and fully understands competitors - strengths/weaknesses and product offerings/pricing. Responsibilities Maintains an in- depth knowledge of products and services as well as knowledge of competitors and competitive products. Impacts region referral pipeline via established internal and external centers of influence. Actively participates in Community organizations to source business development opportunities and demonstrate Citadel’s commitment to the local community. Maintains a current comprehensive understanding of members needs, based on the review and analysis of personal and business financial data gathered. Delivers distinctive service by completing consistent relationship reviews with all "focus" clients. Promotes and cross- markets products and services to clients by keeping clients informed of products, services, special promotions, and provides appropriate financial solutions via consultative review and proactive contact. Makes joint calls with Market Managers and less experienced Business Relationship Managers to enhance their selling skills and uncover consumer opportunities. Actively listens to concerns, presents a clear concise picture and provides the client with a targeted solution to close the sale. Functions as members credit expert with commercial loan department to facilitate the underwriting process and credit approval. Ensures that new member relationships consistently meet all compliance requirements; ensures all account and loan documents are completed, correct and sent with complete packing; works to resolve all account and loan document exceptions; understands how and why an exception occurred. Aggressively grows and maintains a profitable book of business by successfully closing deals to meet or exceed individual and region revenue, contribution margin, fee income, loans and deposit goals. Qualifications and Education Requirements Undergraduate degree in business/related field or equivalent work experience. 3 to 5 years commercial deposit and lending experience. Five plus years demonstrated sales and business development experience with proven results. Excellent customer service skills. Excellent verbal and written communication skills and Excellent presentation skills. In depth knowledge of financial products and banking regulations. Demonstrated experience with and broad understanding of personal and commercial financial statements. Proven experience with and comprehensive understanding of commercial deposits, lending, and small business operations. Proficient in personal computer applications - PC (MS Windows and Office Products), Client Experience Desktop. Northern Region Branches to cover: East Norriton and West Norriton Performance Measurements Performance is based on the Citadel corporate scorecard as well as departmental and individual goals. Work Environment This position will be in an office environment with most work done on a computer. Some events may take place outdoors. Reasonable accommodations will be provided. Physical Demands The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will regularly lift and/or move up to ten pounds. The employee will regularly sit; talk; hear; use hands to finger, handle, or feel; and reach with hands and arms. The employee will occasionally stand. Special vision requirements include close vision and the ability to adjust focus. The noise level in the work environment is usually moderate. Travel to local and, on occasion out-of-town, meetings and events is required. EEO Statement Citadel is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to status as a protected veteran or a qualified individual with a disability, other protected status, such as race, religion, color, national origin, sex, age. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.