Senior Associate, Business Banking Relationship Manager, Providence, RI

Banco Santander (Brasil); Providence (RI); On-site; USD 95,000 - 140,000; Full time

Job summary

Banco Santander (Brasil) in Providence, RI is seeking a Senior Associate, Business Banking Relationship Manager to build and execute client-focused banking relationships. You will work with Regional Manager to design relationship plans, coordinate campaigns, and deliver credit solutions with a focus on growth and risk management.

The role requires a Bachelor's degree and 9+ years in business banking or lending, exceptional communication, negotiation, and presentation skills, plus strong

Qualifications

• Bachelor's degree or equivalent required.
• 9+ years in business banking or related lending.
• Strong knowledge of credit processes and policy.
• Excellent communication and negotiation abilities.

Responsibilities

• Collaborates with Regional Manager to create customer-centric relationship plans.
• Cultivates new relationships through prospecting, networking and referrals.
• Manages loans, deposits, and fee income targets.
• Ensures compliance with policies, laws and bank procedures.
• Identifies cross-sale opportunities and coordinates campaigns.

Skills

Relationship management

Communication skills

Negotiation skills

Business development

Presentation skills

Education

Bachelor's degree

Master's degree (preferred)

Tools

Microsoft Office

Job description

Senior Associate, Business Banking Relationship Manager, Providence, RI

Country: United States of America

It Starts With You:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what's possible. This is more than a strategic shift. It's a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

• Collaborates with Regional Manager to develop and implement customer centric relationship plans.
• Coordinates and organizes targeted campaigns and events.
• Complies with and stays abreast of all applicable policies and procedures, federal and state laws.
• Develops new relationships through prospecting, outside calling, networking, referrals and community involvement.
• Acts as a consultant to clients and a resource to the Bank in developing and retaining business.
• Understands the client's business environment, strategies and industry to better determine their credit requirements, identify potential new business opportunities and provide need based solutions.
• Maintains and applies a thorough understanding of the Company's credit policy, client eligibility and all necessary business practices to ensure the submission of accurate and complete commercial loan packages.
• Negotiates terms and loan structures with clients around the most complex deals.
• Manage existing relationships to enhance profits, increase revenue and mitigate retention risk while delivering an excellent customer service experience to the client.
• Handles relationship review and overall relationship profitability.
• Identifies cross sale opportunities and facilitate referrals within the organization.
• Works to achieve sales goals (loans, deposits and generation of fee incomes.)
• Identifies acceptable credit opportunities and develops them to generate significant non-credit sales.
• Complies with and stays abreast of all applicable policies and procedures, federal and state laws.

What You Bring:

• Bachelor's Degree or equivalent work experience: Business, Finance, Economics, or equivalent field. - Required.
• Master's Degree: Business, Finance, Economics, or equivalent field. - Preferred.
• 9+ Years Business Banking Relationship Manager role and/or related Business lending experience. - Required.
• Superior understanding of C/I loans.
• In-depth knowledge of banks, credit and deposit products.
• Thorough understanding of market risks, macro/micro economic issues as they apply to banking, and lending policies and procedures.
• Thorough understanding of the trends, competition, communities and businesses in the serviced markets.
• Superior analytical, consulting and negotiating skills.
• Superior written, verbal and interpersonal communication skills.
• High-energy, result-oriented and works well in a team environment.
• Excellent business development and presentation skills.
• Superior client relationship, marketing presentation and sales/closing skills.
• Ability to interact with clients in a professional manner.
• Strong computer skills to include Microsoft Office (Word, PowerPoint and Excel) and ability to quickly learn new software and or systems.
• Demonstrated ability to manage and prioritize multiple tasks.
• Excellent understanding of Problem Asset Review Management, FAS 114 Standards, Covenant Compliance and TDRs.
• Ability to maintain and demonstrate high ethical standards and personal integrity to build credibility and trust while enhancing the organization's reputation in the lending community.

Certifications:

No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training,