Senior Associate, Business Banking Relationship Manager, Providence, RI

Santander Group; Providence (RI); On-site; USD 90,000 - 155,000; Full time

Job summary

Santander Group in Providence, RI is seeking a Senior Associate, Business Banking Relationship Manager to identify and grow our client base, understand client business environments and provide need-based banking solutions while ensuring compliance with policies and procedures.

You will drive growth in loans, deposits and fee income through targeted sales plans, cross-sell opportunities, and effective relationship management, coordinating with regional leadership to deliver exceptional client

Qualifications

• Bachelor's degree or equivalent work experience required.
• 9+ years in a Business Banking Relationship Manager or related lending role.
• Strong knowledge of C/I loans and lending policies.

Responsibilities

• Identify and develop a robust client base and opportunities.
• Grow loans, deposits and fee income with targeted sales plans.
• Collaborate with Regional Manager on relationship plans.
• Coordinate campaigns and events; ensure compliance with policies.
• Negotiate terms and loan structures for complex deals.
• Manage existing relationships to maximize profitability.

Skills

Analytical skills

Negotiation

Presentation skills

Business development

Communication

Education

Bachelor's degree or equivalent

Master's degree

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:

The Sr. Associate, Business Banking Relationship Manager is responsible for the identification, development, building and expansion of our customer base/network/business opportunities, growth of loans deposits and fee income through the development of robust sales plans and utilization of industry contacts (COIs, existing clients and referrals). 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 facilitates 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.

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.

Base Pay Range:

Minimum: $90,000.00 USD

Maximum: $155,000.00 USD

We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions:

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based on your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.