Business Banking Relationship Manager

Citadel Federal Credit Union; United States; On-site; USD 70,000 - 110,000; Full time

Job summary

Citadel Federal Credit Union is seeking a seasoned Business Relationship Specialist to drive new member acquisition and deepen the existing business portfolio. The role focuses on building a strategic network of centers of influence, promoting a broad range of financial products, and delivering tailored solutions.

You will work with commercial lenders and Market Managers to grow revenue, manage member relationships, and ensure compliance while providing outstanding service to clients in the

Qualifications

• 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 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 - MS Windows and Office Products.
• Northern Region Branches to cover: East Norriton and West Norriton.

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.

Skills

Communication skills

Sales & business development

Financial products knowledge

Microsoft Office

Education

Undergraduate degree in business/related field

Tools

Client Experience Desktop

Job description

Description

Job Overview

Focuses on acquisition of newmembersanddeepening relationships withexistingmemberportfolio of businesses with annual sales from$1 to $10 million.Cultivates andutilizes astrategicnetwork of local centers of influence in the market that can be leveraged into profitable relationships. Maintains strategic relationships with allCitadellines of business to effectively refer business and leverage partnerships to deepen and enrich the360 memberexperience. Working as thetrustedadvisor,proactivelymanages thememberrelationship by selling and promoting a broad array of appropriate financial products and services, providing pertinent financial information to clients and identifying/referringcross-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 demonstrateCitadel’scommitment to the local community.
• Maintains a current comprehensive understanding ofmembersneeds, based on the review and analysis of personal and business financial data gathered.
• Delivers distinctive service by completingconsistentrelationship 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 withMarketManagers 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 asmembers credit expert with commercial loan departmentto facilitate the underwriting process and credit approval. Ensures that newmemberrelationships consistently meet all compliance requirements; ensuresall account and loan documentsare completed, correct and sent withcomplete 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 andlending experience.
• Five plus years demonstrated sales and business development experience with proven results.
• Excellentverbal and written communication skills andExcellentpresentation 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 ofcommercial 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.

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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.