Business Banking Relationship Manager II

Fulton Financial; Cornwall Junction (PA); Hybrid; USD 114,000 - 190,000; Full time

Benefits offered by this job

Equity in RSUs and incentive plan

Total rewards benefits

Job summary

Fulton Bank in PA is seeking a Business Banking Relationship Manager II for a hybrid role covering Lebanon and Berks County markets, with travel within assigned markets. You will support profitability and growth by coordinating loans, deposits, and fee-based services, while cross-selling with Fulton partners.

You will build strong client relationships, deliver tailored financial solutions, and collaborate with center teams to achieve sales goals while managing risk and regulatory compliance.

Qualifications

• Bachelor's degree or equivalent experience in Business Administration or related field.
• 6+ years in Business/Commercial Banking, Consumer Banking or Small Business Banking (Required).
• 2+ years Demonstrated Sales or Relationship Management Experience (Required).
• 2+ years Managing a complex portfolio of clients (Required).
• Excellent communication and interpersonal skills (Required).
• Proficiency in CRM software and leveraging technology to drive results (Required).
• In-depth knowledge of Business Banking products and services; ability to analyze financial statements and assess risk (Required).
• Strong negotiation skills with ability to influence and achieve outcomes (Required).
• Ability to balance client needs with risk considerations (Required).
• Proven track record of client acquisition and retention and strategic execution (Required).
• Highly collaborative, organized, and strong time management (Required).

Responsibilities

• Identify, source and develop new business opportunities using Fulton sales strategies.
• Build and maintain strong relationships with existing business clients as primary contact for banking needs.
• Expand loan, deposit and financial services opportunities within client base.
• Provide annual relationship reviews to understand client needs and future plans.
• Drive portfolio revenue growth within risk tolerance constraints.
• Analyze clients' financial situations to offer customized banking products and services.
• Collaborate with internal stakeholders to deliver comprehensive solutions.
• Monitor performance of client portfolio and ensure timely issue resolution.
• Ensure compliance with KYC/AML and other regulatory guidelines.

Skills

Communication skills

CRM software

Relationship management

Negotiation skills

Financial analysis

Client acquisition

Time management

Collaboration

Education

Bachelor's Degree in Business Administration or related field

Job description

Value Proposition

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

Overview

This is a hybrid career opportunity covering the Lebanon and Berks County Markets in PA. Requires flexibility for frequent travel within assigned markets as needed. Additional in-market office locations may be an option depending on space availability.

A Business Banking Relationship Manager II plays a pivotal role in contributing to the profitability and growth of the Business Banking segment while building and maintaining strong relationships with new and existing business clients. Coordinate loan, deposit and fee income products and services that meet the needs of the customer. Collaborate closely with the Financial Center teams and Fulton partners to ensure seamless integration of services to both current and prospective clients. Seek opportunities to network and develop key centers of influence. Identify and successfully capitalize on cross-sell opportunities with bank partners. Achieve and surpass established sales goals with risk tolerance levels. Assumes responsibility for relatively complex activity and portfolio for Business Banking clients.

Responsibilities

• Identify, source and develop new business opportunities utilizing the Fulton sales strategies. Conduct thorough research to understand potential clients' needs, challenges, and financial goals. Develop and execute effective prospecting strategies to expand the client base. Apply advanced negotiation and relationship management skills along with the ability to analyze financial statements and assess risk.
• Build and maintain strong relationships with existing business clients, serving as their primary point of contact for all banking needs. Expand and identify new loan, deposit and other financial services opportunities within existing client base. Regularly engage with clients to understand their business mode, cash flow and evolving requirements to provide tailored financial solutions. Provide annual relationship reviews to understand client’s needs and future plans. Serve as a trusted advisor and effectively counsel and make recommendations to help support their business objectives
• Focus on driving continuous improvement in portfolio revenue growth and nee production revenue. Achieve and surpass established sales goals within risk tolerance constraints.
• Analyze clients' financial situations and business operations to offer customized banking products and services. Provide counsel on cash management, financing options, investment opportunities, and other relevant financial matters. Collaborate with internal stakeholders and partners to deliver comprehensive solutions to clients.
• Monitor and assess the performance of the client portfolio, identifying opportunities for growth and risk mitigation. Proactively address any issues or concerns raised by clients, ensuring prompt resolution and high levels of satisfaction. Utilize CRM tools and other systems to maintain accurate records of client interactions and transactions.
• Adhere to all regulatory guidelines and internal policies governing business banking activities. Conduct thorough due diligence on new clients and ensure compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. Mitigate risks associated with lending and financial transactions by implementing appropriate risk management practices.
• Sustain comprehensive understanding of current products offered in the market and keep informed of all relevant industry trends and practices.
• Cultivate relationships network of strategic partnerships across the region.
• Build knowledge of diverse types of businesses, industries, markets, financial and economic concepts.
• Carries out a variety of business development activities to a identify bank prospects. Maintain a stable network of prospective customers with a consistent approach to calling.

Qualifications

Education

Bachelor's Degree or the equivalent experience. Specialty: Business Administration or related field. (Required)

Experience

6 or more years Business or Commercial Banking, Consumer Banking or Small Business Banking experience. (Required)

2 or more years Demonstrated Sales or Relationship Management Experience. (Required)

2 or more years Managing a complex portfolio of clients. (Required)

Knowledge, Skills, and Abilities

• Excellent Communication and interpersonal skills, with ability to build rapport and trust with clients (Required)
• Proven results in establishing new business relationships and retaining/growing existing relationships. (Required)
• Proficiency in CRM software and leveraging technology to drive results. (Required)
• In-depth knowledge of Business Banking products and services and ability to analyze financial statements and assess risk. (Required)
• Excellent negotiation skills with demonstrated ability to influence others and achieve desired outcomes. Ability to leverage technology to interact with clients effectively and efficiently. (Required)
• Ability to balance needs of clients with associated risks and interests of the company. (Required)
• Proven track record of client acquisition and retention, the ability to execute on strategic plans and strong problem-solving skills. (Required)
• Highly collaborative, organized, and effective time management skills. (Required)

Other Duties as Assigned by Manager

This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Pay Transparency

To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate’s knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.

The salary range for this position is $114,100.00 - $190,100.00 annually.

Additional Compensation Components

This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.

Benefits

Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank.

EEO Statement

Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.

Sponsorship Statement

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.