Business Banking Relationship Manager - Southern Division - RELAT003609

Citadel Credit Union; Exton (PA); Hybrid; USD 80.000 - 120.000; Vollzeit

Zusammenfassung

Citadel Credit Union is seeking a Hybrid Business Banking Relationship Manager to acquire new members and deepen relationships with commercial clients in the Southern Region (Paoli, West Chester, Downingtown). You will leverage centers of influence, promote financial products, and coordinate with the commercial loan team to efficient underwriting.

You will source opportunities through community involvement, deliver consultative reviews, and manage a profitable book by achieving revenue and

Qualifikationen

• Undergraduate degree or equivalent work experience in business.
• 3–5 years commercial deposit and lending experience.
• 5+ years demonstrated sales and business development experience with proven results.
• Current and/or prior portfolio management experience.
• Excellent customer service and communication skills; presentation skills.
• In-depth knowledge of financial products and banking regulations.
• Experience with personal and commercial financial statements.
• Understanding of commercial deposits, lending, and small business operations.
• Proficient with PC applications - MS Windows and Office; Client Experience Desktop.
• Position based in Southern Region branches: Paoli, West Chester, Downingtown.

Aufgaben

• Maintains an in-depth knowledge of products and competitors.
• Impacts region referral pipeline via internal and external centers of influence.
• Participates in community organizations to source business development opportunities.
• Maintains understanding of members' needs from financial data.
• Delivers distinctive service with regular relationship reviews for focus clients.
• Promotes and cross-markets products through consultative reviews and proactive contact.
• Makes joint calls with Market Managers to enhance selling skills.
• Listens to concerns and provides targeted solutions to close sales.
• Works with commercial loan department to facilitate underwriting and credit approval.
• Grows a profitable book by meeting revenue, margin, fee income, loans and deposits goals.

Kenntnisse

Sales experience

Customer service

Communication skills

Presentation skills

Relationship management

Analytical skills

Ausbildung

Bachelor's degree in business or related field

Tools

Microsoft Office

Client Experience Desktop

Jobbeschreibung

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.

This is a Hybrid position. Our Business Banking Relationship Managers are expected to be in their branches 5 days a week partnering with branch colleagues, while also engaging their books of business all in an effort to impact Citadel Members financial experience. If a Business Banking Relationship Manager needs flexibility to adjust their schedule for early or late Member appointments/business networking those appointments must be preset in the Business Banking Relationship Manager's Outlook Calendar.

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.
• Must have current and/or prior portfolio management experience.
• 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.
• This position will be working in our Southern Region branches: Paoli, West Chester, Downingtown