Small Business Banking Relationship Manager

Jobtailor; Jacksonville (FL); On-site; USD 70,000 - 100,000; Full time

Job summary

Bancorp in Jacksonville, FL, seeks a seasoned Commercial Banking Relationship Manager to drive growth with mid-size business clients.

You will analyze financial statements, structure tailored credit and treasury solutions, collaborate with product partners, manage risk, and deliver superior client experiences while exceeding revenue targets.

Qualifications

• Bachelor's degree or equivalent work experience.
• Minimum of 3 years sales experience; managing business banking or commercial relationships preferred.
• Formal credit training or risk experience required.
• Underwriting experience preferred.
• Proven ability to build new and existing client business.
• Strong business acumen including financial statement analysis.
• Knowledge of Commercial & Treasury Management services.
• Ability to assess client profitability and tailor financial solutions.
• Proficient in Microsoft Office; familiar with CRM tools.

Responsibilities

• Develop new business and manage client relationships for revenue growth.
• Assist owner in achieving financial goals with smart financial solutions.
• Act as trusted advisor with product partners to understand client needs.
• Cross-sell applicable banking products to business clients.
• Maintain risk and comply with policies and procedures.
• Prepare and present relationship strategy with product partners.
• Use CRM to track activity, calls, and pipeline.
• Coordinate credit support with portfolio managers.

Skills

Sales experience

Relationship management

Financial analysis

Problem solving

Verbal communication

Education

Bachelor's degree

Tools

CRM system

Microsoft Office

Job description

Responsibilities

• Responsible for business development, relationship management and client experience of companies with annual gross sales of at least $2MM and generally less than $10MM.
• Assist the business owner in achieving their financial goals by providing smart financial solutions for both personal and business needs.
• Serve as a trusted advisor for these businesses; collaborate with a team of product partners utilizing the One Bank Sales Cycle to understand the clients'/prospects holistic business needs.
• Through such collaboration, develop revenue growth by identifying needs and providing needs based solutions and services to the client.
• Services would include loans, deposits, treasury management, and all other applicable banking services.
• Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.
• Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience.
• Achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
• Prospect for new clients by utilizing referral sources, existing clients, financial centers and centers of influence.
• Work with product partners to analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
• Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
• Effectively retain and grow long term profitable "Lead" client relationships.
• Cross-sell all applicable 5/3 products and services to an existing portfolio of business customers and their owners/senior management.
• Responsible for planning and conducting relationship strategy and relationship review meetings with product partners.
• Coordinate all client-facing activities including credit support and other product partners.
• Conduct thorough effective pre-call planning, One Bank Consultative Sales approach and prompt post call follow up.
• Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
• Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established Portfolio Management guidelines.
• Achieve credit standards and metrics in regard to asset quality, credit administration.
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to ensure credit exposure is at an acceptable risk, and priced accordingly.
• Complete administrative responsibilities in a timely manner.

Requirements

• Bachelor's degree required or equivalent work experience.
• Minimum of 3 years sales experience; minimum of 3 years managing business banking or commercial relationships preferred.
• Formalized credit training or equivalent credit risk experience required.
• Underwriting experience preferred.
• Proven ability to build new and existing client business and provide a positive client experience.
• Strong business acumen, to include detailed analysis, review of financial statements and knowledge in advanced accounting principles.
• Thorough knowledge of Commercial & Treasury Management services as well as alternative lending and financing options.
• Ability to assess client needs, drivers of profitability, and corporate/personal life cycle optimizing financial solutions.
• Uses effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
• Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations and group presentations.
• Champions the Bancorp vision and core-values through personal actions and leadership influence to promote high-performing work groups.
• Proven ability to work in a team-based sales environment.
• Must be proficient in all Microsoft Office software; familiarity with prospecting and CRM sales tools preferred.

Core Competencies

Demonstrates expertise in business development and relationship management, focusing on providing tailored financial solutions for clients with annual gross sales between $2MM and $10MM. Proficient in analyzing financial statements, managing credit risk, and utilizing CRM systems to enhance client experience and drive revenue growth.

Highest-signal resume keywords

• Business Development
• Client Relationship Management
• Credit Risk Assessment
• Commercial & Treasury Management Services
• Financial Analysis

Hard Skills

• Sales Experience
• Credit Training
• Underwriting
• Financial Statement Analysis
• Advanced Accounting Principles

Soft Skills

• Problem Solving
• Analytical Skills
• Verbal Communication
• Written Communication
• Team Collaboration

Certifications & Qualifications

• Bachelor's Degree

Industry Keywords

• Commercial Banking
• Treasury Management
• Alternative Lending
• Financial Solutions
• Risk Management

Tools & Technologies

• Customer Relationship Management (CRM) System
• Microsoft Office