Business Banking Relationship Manager II- Lancaster County, PA

WSFS Bank; Lancaster (CA); On-site; USD 93,000 - 153,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401(k) Plan

Life Insurance

Disability Insurance

FSA/HSA

Wellness programs

Paid holidays

Job summary

WSFS Bank is seeking a Business Banking Relationship Manager in California to grow and manage small-to-medium business relationships with up to $10M in annual revenue, delivering lending, deposits, and non-credit solutions through cross-functional collaboration.

You will source new opportunities, analyze financials, structure loans, monitor portfolios, and serve as the primary relationship manager while providing exceptional client service and mentoring junior staff.

Qualifications

• Bachelor’s degree in business or finance or equivalent experience.
• 7+ years of business lending and relationship-building experience.
• Proven ability to develop new business and manage multiple relationships.
• Experience with CRM system to manage sales pipeline.

Responsibilities

• Identify and pursue new business opportunities through referrals and networks.
• Meet with clients to assess financial needs and tailor banking solutions.
• Cross-sell Bank solutions and services.
• Analyze financial statements, credit reports, and cash flow to evaluate creditworthiness.
• Develop loan structures and repayment plans aligned with client needs and policies.
• Negotiate terms and ensure regulatory compliance.
• Manage a loan portfolio and monitor performance.
• Collaborate with credit, portfolio management, and product teams.
• Serve as primary relationship manager, expanding client relationships.
• Mentor junior relationship managers and train staff on lending procedures.

Skills

Relationship management

New business development

Credit analysis

Financial statement analysis

Client networking

Sales skills

Interpersonal skills

Regulatory compliance

Portfolio management

Lending knowledge

Education

Bachelor’s degree in business or finance

Equivalent experience

Tools

CRM system

Job description

Job Description

At WSFS Bank, we empower our Associates to grow their careers, guide our customers to secure their financial futures, and actively support our Communities so they can fully thrive. Careers with WSFS Bank offer an inclusive and supportive culture, competitive salaries, advancement opportunities, and more. We are the region’s locally headquartered bank and wealth management company. We are honored to consistently be named a Top Workplace by our Associates, who make a difference every day for the people, businesses, and Communities we serve. We Stand For Service® is more than part of our name, it’s our mission and our purpose.

The Business Banking Relationship Manager will manage and grow relationships with small-to-medium-sized businesses with up to $10 million in annual revenues, delivering customized financial solutions with total credit exposure of up to $3 million. This position plays a key role in driving business growth by providing expert financial advice and full-service business banking to include lending, deposits, and non-credit products to support the financial goals of business clients. The incumbent is responsible for end-to-end relationship management, from sourcing and analyzing client opportunities to structuring loans and monitoring portfolio performance, while actively collaborating with internal and external partners to enhance client value. This role is sales driven and requires a proven history of developing new businesses and managing relationships. Ideal candidates are experienced in community banking, networking, building relationships, and providing excellent customer service, and possess extensive experience with small businesses.

Job Responsibilities

• Actively identify and pursue new business opportunities through self-generated referrals and an established network of CPAs, attorneys, business brokers, and commercial real estate professionals.
• Conduct client and prospect meetings to assess their financial needs, challenges, and opportunities, tailoring banking solutions to meet their goals.
• Prospect new business relationships and cross-sell Bank solutions and services.
• Perform comprehensive financial analysis, including review of financial statements, credit reports, and cash flow projections, to determine creditworthiness.
• Develop and recommend loan structures, repayment schedules, and collateral requirements in alignment with client needs and the bank’s credit policies.
• Negotiate loan terms, ensuring a mutually beneficial agreement while adhering to regulatory and compliance guidelines.
• Manage an active loan portfolio, ensuring compliance with loan terms, policies, and regulatory requirements.
• Conduct regular portfolio reviews to identify risks, monitor payment trends, and address early warning signs of potential issues.
• Collaborate with credit and portfolio management teams to ensure timely renewal of loans and updates to client profiles.
• Serve as the primary relationship manager, deepening client relationships through consistent engagement and cross-selling of banking solutions, including cash management, personal banking, and wealth management solutions.
• Function as the “gatekeeper” for the bank, ensuring clients are aware of and benefit from the full range of banking solutions and services.
• Provide exceptional customer service, proactively addressing client concerns and identifying opportunities to enhance their banking experience.
• Partner with internal teams, including credit administration, operations, portfolio managers, and product specialists, to deliver comprehensive solutions for clients.
• Mentor and coach junior relationship managers, sharing expertise in financial analysis, sales strategies, and client relationship building.
• Assists in training and mentoring new and less experienced small business relationship managers on lending procedures, policies, and regulations, and recommends improvements to procedures and provides functional guidance as needed.

Minimum Qualifications

• Bachelor’s degree in business or finance preferred, or equivalent experience demonstrated through a combination of the following: work and military experience, and education/training.
• Experienced Business Lender with 7+ years of new business development experience and direct sourcing and prospecting new clients.
• 7+ years of business lending experience in the financial industry along with a proven history of managing relationships, developing new business, sustaining consistent production, and ability to perform in multiple goal categories.
• Demonstrated proficiency in working with key internal resources.
• Must have experience with utilizing a CRM system to manage and monitor progress in sales pipeline toward converting prospects to customers.
• Must have strong knowledge of business lending, consumer lending, and deposit products.
• Must have credit experience, loan structuring, and financial statement analysis.
• Ability to work in the office up to 5 days per week.
• Must have proficiency with analyzing applicant financial status, credit, and property evaluation to determine ability and capacity to repay and service debt.
• Basic Knowledge of all applicable Regulations that pertain to this position is required.
• Knowledge of the Bank Secrecy Act and Anti-Money Laundering policies, procedures, and related programs.

WSFS Bank will only consider candidates who are presently authorized to work for any employer in the United States and who will not require work visa sponsorship from WSFS Bank now or in the future in order to retain their authorization to work in the United States.

Salary Range

$92,869.00 - $152,569.00

Individual base pay may vary on additional factors such as the candidate’s experience, job-related skills, relevant education, geographic location, and other specific business and organizational needs.

In addition to base salary, WSFS Financial Corporation (WSFS) and its subsidiaries may offer eligible Associates discretionary and formula-based incentive and retention awards. WSFS provides a competitive benefits package, which includes medical, dental, and vision coverage; a 401(k) plan; life, accident, and disability insurance; flexible spending accounts (FSAs) and health savings accounts (HSAs); and wellness programs. Additional benefits may include paid parental leave, military leave, vacation and other paid time off, sick leave in accordance with applicable state laws, and paid holidays. Benefit offerings are subject to eligibility requirements, legal limitations, and may vary based on an Associate’s location and employment status. For more information about Associate benefits, please visit https://www.wsfsbank.com/about/careers/

WSFS Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the WSFS Bank Careers website or submission process, please contact us via email at [e-mail].

WSFS is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.