Relationship Manager I - Business Banking

PNC; Cincinnati (OH); On-site; USD 75,000 - 125,000; Full time

Benefits offered by this job

Medical, prescription drug, dental and

Vision coverage

401(k) with match

Pension and stock purchase plans

Paid time off

Wellness program

Job summary

PNC is seeking a Relationship Manager I – Business Banker in the Cincinnati market. You will manage relationships with small business clients, drive sales, and coordinate credit and non‑credit product offerings to optimize cash flow for customers.

The role emphasizes risk management, client engagement, and building a broad network of partners to expand the business portfolio. At PNC, in‑office culture supports work‑life balance and customer focus.

Qualifications

• University/college degree with 3+ years of relevant/direct industry experience.
• Bachelor’s degree required; certifications not required.

Responsibilities

• Handles relationship management activities with new and existing clients to grow sales and market share.
• Acquires, expands, and retains client relationships to generate revenue and deepen share of wallet.
• Oversees origination, financial analysis, negotiation, and documentation of credit and non‑credit products.
• Manages risk/return and mitigates regulatory, reputational, operational, and credit risks.
• Provides ideas and insights based on client needs to increase engagement and loyalty.
• Builds internal and external networks to acquire and expand clients and present PNC products.

Skills

Book of Business

Client Relationship Building

Credit Processes

Credit Products

Customer Engagement

Decision Making

Financial Analysis

Identifying Sales Opportunities

Education

Bachelor’s degree

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 and fostering an inclusive workplace culture. As a Relationship Manager I – Business Banker within PNC's Business Banking organization, you will be based in the Cincinnati market.

Job Profile

PNC Business Bankers provide cash flow solutions to businesses with annual sales from $2 million to $10 million. As a trusted advisor you will leverage your business acumen to facilitate cash flow conversations with clients and prospects and manage the ongoing sales cycle to optimize the cash flow of our business customers. PNC’s targeted small business segments include Retail, Agricultural, Healthcare, Manufacturing, Professional Services, Wholesale and Women in Business. You will develop and cultivate Center of Influence relationships to meet and exceed sales goals, working with internal services partners to onboard and expand the business portfolio.

PNC is an in‑office company that fosters a supportive culture where employees can thrive and achieve balance. The company does not provide visa sponsorship for this position.

Job Description

• Handles relationship management activities with new and existing clients to grow sales and market share.
• Acquires, expands, and retains client relationships to generate revenue and deepen share of wallet, overseeing origination, financial analysis, negotiation, and documentation of credit and non‑credit products.
• Manages risk/return and ensures quality for new and existing clients, proactively mitigating regulatory, reputational, operational, and credit risks.
• Focuses on client opportunities by providing ideas and insights based on an understanding of the client’s needs and financial well‑being, increasing engagement and loyalty.
• Builds an effective network of internal and external relationships to acquire new clients and expand existing ones, presenting the full range of PNC products and services and using sales tools to convert opportunities.
• Demonstrates ability to analyze, evaluate, and mitigate credit risk using knowledge of credit fundamentals and internal credit policies.

Company Expectations

• Customer Focused – knowledgeable of values and practices that align customer needs and satisfaction in all business decisions.
• Managing Risk – assesses and effectively manages all risks associated with business objectives to align with PNC’s Enterprise Risk Management Framework.

Qualifications

Required skills, competencies, work experience, education, and certifications for success in this role include the following:

• Preferred Skills: Book of Business, Client Relationship Building, Credit Processes, Credit Products, Customer Engagement, Decision Making, Financial Analysis, Identifying Sales Opportunities.
• Competencies: Business Acumen, Client Relationship Management, Customer Experience Management, Decision Making and Critical Thinking, Effective Communications, Prospecting, Selling, Tech Savvy.
• Work Experience: University/college degree with 3+ years of relevant/direct industry experience, or equivalent combination of education, certification, and experience.
• Education: Bachelor’s degree.
• Certifications/Licenses: None required.

Pay and Benefits

Base Salary: $75,000 – $125,000. Salaries may vary based on location, market data, skills, experience, and education. This role is incentive eligible.

Benefits include medical, prescription drug, dental and vision coverage, life insurance, disability protection, 401(k) with match, pension and stock purchase plans, dependent care reimbursement, adoption and related benefits, educational assistance, and a wellness program. Paid time off consists of maternity/parental leave, holidays, occasional absence days, vacation days, and years of service as applicable.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, contact [e-mail].

Equal Employment Opportunity

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other protected categories. This position is subject to FDIA and, when applicable, SAFE Act and FINRA regulations.

California Residents

Refer to the California Consumer Privacy Act Privacy Notice for information on how PNC may use or disclose personal information.