Business Banking Relationship Manager - Virtual Client

PNC; Pennsylvania; Hybrid; USD 90,000 - 130,000; Full time

Job summary

PNC is seeking a Business Banking Virtual Relationship Manager to manage a large, remote book of business in the $2–$10MM revenue segment. The role emphasizes outbound client engagement, needs-based selling, and growing share of wallet across multiple markets with minimal in-person meetings.

You will work in a highly metric-driven environment, leveraging technology to drive opportunities and collaborating with the Virtual RM team to optimize client outcomes.

Qualifications

• Strong relationship management and cross-selling abilities.
• Experience selling to small businesses or business banking clients.
• Ability to analyze client needs and present a full range of banking products.
• Excellent communication and virtual selling skills.
• Comfort with high-volume, metric-driven environments.

Responsibilities

• Manage a large book of business (400+ clients) in the $2–$10MM revenue segment.
• Conduct outbound calling to identify client needs and generate new opportunities.
• Drive share of wallet growth and transition clients to primary banking relationships.
• Coordinate implementation of non-credit products and services and provide financial insights.
• Utilize technology and sales tools to track opportunities and performance.
• Collaborate with the Virtual RM team to share best practices and engage with Small Business sales partners.

Job description

Position Overview

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success.

This is a sales and relationship management position. Consideration will be given to those who have several years of business banking relationship management experience in working with businesses in the 2 - 10MM in annual revenue.

The RM Virtual position manages a large book of business (400+ clients) in the $2-10MM segment. The objective is to maintain and grow the book of business. The role involves significant outbound calling, identifying business needs, and driving new opportunities within assigned relationships. Success requires the ability to sell effectively in a virtual environment, leverage technology quickly, and stay highly organized given the volume and pace. Candidates should be comfortable working with large sets of metrics, maintaining accountability, and operating in a monitored environment due to the role's structure. Books of business are typically on one time zone but may not be territory-concentrated. Analyzing business tax returns and structuring small business loans are a plus.

While titled "virtual," the role is remote. There will be some annual travel expectations for team meetings, and the hiring manager will review specific onsite requirements during the interview process.

This position may be eligible for remote work in select geographic locations, subject to approval by PNC. If approved, work must be conducted from a quiet, secure, and confidential home-based workspace. Occasional in-office participation may be required based on business needs.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

The Business Banking Virtual Relationship Manager is a regionally located, centrally focused sales position working within multiple markets.

This individual utilizes strong virtual communication skills in lieu of in-person meetings to manage existing clients.

This role is responsible for growing share of wallet with existing clients.

Identifies customer needs to help them succeed financially by presenting the full range of PNC's products and services.

Provides ideas and insights based on understanding of the client's needs and their financial well-being while focusing on increasing client engagement and loyalty.

Remotely develops and manages clients across multiple markets, aimed at growing sales, increasing revenue and deepening share of wallet in an effort to transition them to primary clients.

Coordinates the implementation and documentation of non-credit products and services.

Leverages knowledge of the industry and market to prioritize efforts.

Manages the origination, financial analysis, negotiation and documentation of credit and non-credit products and services.

Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities.

Collaborates with Virtual RM team to share best practices and opportunities.

Leverages Small Business sales development partners to engage in effective client outreach.

Utilizes technology to enhance client engagement and loyalty through multiple channels of communication.

Effectively manages risk/return in accordance with PNC's risk profile and drives quality for existing clients.

Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational and credit risks.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

Preferred Skills

• Client Outreach
• Content Development
• Credit Products
• Customer Engagement
• Customer Loyalty
• Customer Solutions
• Identifying Sales Opportunities
• Relationship Management
• Small Businesses

Competencies

• Business Acumen
• Client Relationship Management
• Customer Experience Management.
• Decision Making and Critical Thinking
• Effective Communications
• Managing Multiple Priorities
• Selling.
• Tech Savvy

Work Experience

Roles at this level typically require a university / col