Commercial Relationship Manager

Citadel Federal Credit Union; Exton (PA); Hybrid; USD 90,000 - 120,000; Full time

Job summary

Citadel Federal Credit Union is seeking a Commercial Relationship Manager to drive loan growth and deposit opportunities within a hybrid work setting in Exton, PA. You will build relationships with business owners, analyze financial data, and collaborate across teams to deliver comprehensive client solutions.

Ideal candidates have 5–10 years of commercial banking experience, strong credit skills, and a proven track record in sales and business development.

Qualifications

• 5–10 years commercial lending and deposit experience.
• Formal commercial lending credentials such as CFI, RMA, or Moody’s.
• Excellent verbal and written communication and presentation skills.
• In-depth knowledge of financial products and banking regulations.
• Experience analyzing personal and commercial financial statements.
• Extensive experience with commercial deposits, lending, and small business operations.
• Proficient with PC applications including Client Experience Desktop.

Responsibilities

• Acquire new business members with revenue between $5–$25 million and secure loan opportunities with strong deposit potential.
• Act as trusted advisor by analyzing needs and recommending Citadel product solutions.
• Evaluate loan applications with strong credit analysis and structure deals.
• Identify cross-selling opportunities to grow loans, deposits, and fees.
• Engage with local COIs and the business community to develop relationships.
• Collaborate with internal credit/deposit teams and external partners to deliver 360-degree client service.
• Mentor colleagues and close deals to meet revenue targets.

Skills

Client Acquisition

Relationship Building

Credit Analysis

Deposits & Cash Management

Cross-Selling

Communication Skills

Community Engagement

Partnership Building

Education

Undergraduate degree in business/related field

Tools

Client Experience Desktop

MS Office

Job description

Description

Job Overview:

Are you a passionate and results-oriented commercial banking professional seeking a dynamic environment to leverage your expertise?

We're seeking a seasoned Commercial Relationship Manager (CRM) to join our growing Business Banking team. In this pivotal role, you'll play a key role in driving commercial loan growth while building strong client relationships and fostering new deposit opportunities.

What You'll Do:

• Client Acquisition & Growth: Develop a network of Centers of Influence (COIs) and leverage existing relationships to identify and acquire new business members with revenue between $5-$25 million. Focus on securing loan opportunities with strong deposit potential.
• Trusted Advisor: Become a financial expert for your members, understanding their needs through in-depth financial analysis and proactively recommending solutions across Citadel's product suite (loans, deposits, etc.).
• Commercial Credit Expertise: Utilize your strong credit analysis skills to evaluate loan applications, structure deals, and manage credit risk, ensuring all member relationships meet strict compliance standards.
• Cross-Selling & Revenue Growth: Identify and leverage cross-selling opportunities to deepen client relationships and drive profitable business growth by exceeding loan, deposit, and fee income goals.
• Community Engagement: Be a visible and active in the local business community, fostering relationships and identifying potential business members.
• Partnership Focus: Collaborate effectively with internal teams (credit, deposit solutions) and external partners (COIs) to deliver a comprehensive 360-degree client experience.

Who You Are:

• Proven track record of originating and closing commercial loans within a competitive environment.
• Minimum of 7-10 years of experience in commercial banking, with a strong understanding of credit analysis and risk management.
• Excellent communication and presentation skills, with the ability to build strong relationships with business owners and decision-makers.
• Deep understanding of commercial banking products and cash management, including deposit solutions.
• Proven ability to develop and leverage strategic partnerships.
• Active and engaged member of the local business community.

Why Citadel?

At Citadel, you'll join a team passionate about helping local businesses thrive. We offer a competitive compensation and benefits package, along with opportunities for professional development and career advancement.

Responsibilities

• Become a product expert : Know Citadel's offerings inside and out, including competitor products.
• Build relationships: Network with influencers to bring in new business.
• Be active in the community : Represent Citadel and find opportunities locally.
• Understand client needs : Analyze financial data to identify member goals.
• Deliver exceptional service: Regularly review client relationships and provide solutions.
• Grow client business : Recommend products and close deals to reach revenue targets.
• Mentor colleagues: Train and develop less experienced branch staff and relationship managers.
• Close deals: Actively listen, present solutions, and secure member agreements.

This is a hybrid position. It is expected that a Commercial Relationship Manager will come to work at Citadel HQ – a minimum of 4 of the 5 days a during a work week. The one day flexed is at the Commercial Relationship Manager's discretion. If a Commercial Relationship Manager needs the flexibility to adjust their schedule for early or late Member appointments/business networking attendance those appointments should be preset and on the Commercial Relationship Manager's calendar.

Qualifications and Education Requirements

• Undergraduate degree in business/related field or equivalent work experience.
• 5 to 10 years commercial lending and deposit experience.
• Formal commercial lending credentials such as (CFI, RMA, or Moody).
• 10 plus years demonstrated sales and business development experience with proven results.
• Excellent verbal and written communication skills and Excellent presentation skills.
• In depth knowledge of financial products and banking regulations.
• Demonstrated experience with and expertise in analyzing and comprehending personal and commercial financial statements.
• Extensive experience and in-depth knowledge of commercial deposits, lending, and small business operations.
• Proficient in personal computer applications - PC (MS Windows and Office Products), Client Experience Desktop.

Performance Measurements

Performance is based on the Citadel corporate scorecard as well as departmental and individual goals.

This position will be in an office environment with most work done on a computer. Some events may take place outdoors. Reasonable accommodations will be provided.

Physical Demands

The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee will regularly lift and/or move up to ten pounds. The employee will regularly sit; talk; hear; use hands to finger, handle, or feel; and reach with hands and arms. The employee will occasionally stand. Special vision requirements include close vision and the ability to adjust focus. The noise level in the work environment is usually moderate.

Travel to local and, on occasion out-of-town, meetings and events is required.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.