Business Banking Relationship Manager II

Citizens; Westwood (MA); On-site; USD 148,000 - 184,000; Full time

Benefits offered by this job

Competitive pay

Comprehensive medical

Dental and vision coverage

Retirement benefits

Maternity/paternity leave

Flexible work arrangements

Education reimbursement

Wellness programs

Job summary

Citizens is seeking a Senior Commercial Relationship Manager to acquire and deepen a portfolio of business banking clients with annual revenues from five million to fifty million. You will lead advisory discussions, coordinate across the bank, and drive loan, deposit, and fee income targets.

In this role you’ll collaborate with internal partners, manage risk, and contribute to community outreach while delivering exceptional service and shareholder value.

Qualifications

• Excellent written and verbal communication skills.
• Experience with commercial credit and lending processes.
• Ability to develop advisory led discussions with clients.
• Strong customer service, retention and relationship management.

Responsibilities

• Manage and deepen a portfolio of commercial relationships in the Business Banking segment.
• Provide advisory discussions to assess client needs and offer value-added solutions.
• Collaborate with COIs and internal partners to identify new business opportunities.
• Drive new loan and deposit generation with a focus on revenue growth and client satisfaction.
• Engage in community activities to expand the client base.

Skills

Communication skills

Negotiation

Needs identification

Problem solving

Consultative sales

Education

Undergraduate degree in business or finance

Tools

Salesforce

Lending applications

Job description

Description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll acquire and deepen client relationships by collaborating across the enterprise to deliver comprehensive solutions in areas such as credit, liquidity, interest rate management, treasury solutions, and Wealth Management.

Primary responsibilities include

• Manage, acquire and deepen a portfolio of new and existing commercial customer relationships within the Business Banking target market of five million to fifty million in annual revenue.
• Provide advisory led discussions to assess client needs and aspirations while positioning value added recommendations that drive customer delight and shareholder value.
• Engage COI’s and internal partners across the bank to uncover and deepen new business opportunities.
• Operate within a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, fee income, customer service and satisfaction.
• Actively engage in significant community activity to expand potential customer base and exemplify our company credo and community commitments.

Qualifications, Education, Certifications and/or Other Professional Credentials

• 4+ years in upper Business Banking/Lower Middle Market experience
• Completion of Commercial Credit Training
• Meaningful experience with moderately complex portfolios, customers, and transactions.
• Strong written and oral communication skills
• Strong knowledge of sales force and various lending applications
• Strong sense of customer service, satisfaction and retention.
• Adept at needs identification, problem solving and the consultative sales approach.
• Strong negotiation skills and the ability to overcome objections and adversity
• Following of prospects, customers and COIs
• Ability to self-generate and drive new business development
• Action oriented and self-accountable to superior results
• Strong understanding of risk and compliance
• Meaningful Community involvement
• Strong understanding of core products and services
• Preferred undergraduate degree in business or finance

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Pay Transparency

The salary range for this position is $148,000-184,000 per year plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

• competitive pay
• comprehensive medical
• dental and vision coverage
• retirement benefits
• maternity/paternity leave
• flexible work arrangements
• education reimbursement
• wellness programs

Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.