South Jersey Commercial Relationship Manager

Firstrust Bank; Harmonville (PA); Hybrid; USD 175,000 - 210,000; Full time

Benefits offered by this job

Hybrid work model

Comprehensive benefits

Job summary

Firstrust Bank in South Jersey is seeking a Commercial Relationship Manager to lead a portfolio of SME clients. You will expand banking relationships, structure loan and cash management solutions, and collaborate with credit teams to meet growth goals.

The role requires 3–5 years of commercial lending experience, strong analytical and negotiation skills, and proficiency with banking products. This hybrid position offers competitive compensation and benefits.

Qualifications

• 3–5 years of commercial lending experience
• Strong analytical and critical thinking skills
• Ability to negotiate across the organization and with customers
• Knowledge of banking products and services to meet customer needs
• Proven sales record in commercial banking

Responsibilities

• Develop, maintain, and expand Commercial Banking relationships with SMEs to grow sales and market share
• Understand customer business models and growth needs to propose loan, deposit, and cash management solutions
• Analyze, structure, and submit loans for approval to appropriate authority
• Serve as primary banker for a portfolio of commercial relationships, including credit and non-credit
• Close approved loan requests and ensure compliance with laws and bank policies
• Support Portfolio Managers in monitoring loan portfolios for delinquency and covenant compliance
• Develop referral sources and participate in community and not-for-profit activities

Skills

Relationship management

Sales experience

Analytical skills

Negotiation

Education

Bachelor's degree in finance/ accounting or related business field

Tools

Salesforce

Microsoft Office

Job description

South Jersey Commercial Relationship Manager

FIRSTRUST BANKRecognizes the leader in you As one of the region's foremost community banking institutions, we take pride in fostering leadership. As a Firstrust employee, your growth is our growth. For you, that means great benefits, performance-based pay, a meaningful role, and resources to help your success. For us, that means employees who offer exemplary customer service with a commitment to our values - honesty, integrity and accountability.

*Hybrid Position*

Job Duties and Responsibilities

• Develop, maintain, and expand Commercial Banking relationships to grow sales, revenue, and market share with relevant sales goals. The primary focus is to retain and organically grow new and assigned relationships with small and medium enterprise prospects and clients.
• Possesses knowledge of loan, deposit, and cash management products in order to provide ideas and insight based on an understanding of the customer's business model and growth needs.
• Demonstrates ability to analyze, structure, recommend and submit loans for approval to appropriate approving authority or loan committee.
• Acts as primary banker and facilitator for all bank capabilities to a portfolio of commercial relationships, both credit and non-credit.
• Documents and closes approved loan requests in compliance with applicable laws, regulations, bank policies and sound banking practices.
• Review loan and deposit accounting system information and reports to ensure that assigned commercial banking assets and liabilities are set up and accounted for correctly.
• Support and empower Portfolio Managers as they monitor assigned loan portfolios on an ongoing basis for delinquency, document follow-up, covenant compliance, ongoing financial reporting, renewals, and additional information as required.
• Represents Firstrust in the Community by actively developing Referral Sources and Centers of Influence. Actively participate in not-for-profit associations and Boards of Directors.

Other Job Duties and Responsibilities

• Assists in the development of new business for Firstrust. Is alert to expressed customer/prospect needs to suggest appropriate services. Directs customers to appropriate person to establish business relationships.
• Other duties as assigned.

Physical and Sensory Requirements

While performing the essential functions of this position, the employee is regularly required to drive a motor vehicle, attending meetings at various venues, including but not limited to customers' offices and/or properties, restaurants and other meeting locations, and ascend/descend stairs and or ladders occasionally to perform inspections. The employee may be required to lift files/materials up to 20 pounds to take to various locations. The incumbent will be expected to operate a computer terminal, and exchange information. The ability to utilize standard offices including phone, fax and copier are essential.

• None identified.

Education, Training and Experience

• Bachelor's degree in finance, Accounting or related business field is preferred.
• Participation in formal credit training preferred.
• Three (3) to five (5) years of commercial lending experience required; proven sales record.
• Knowledge of and the ability to identify, engage and create opportunities in the market.
• Plan, strategize and target the right industries and create value propositions with impact.
• Applies successful financial sale solutions to negotiation concepts and techniques; ability to negotiate successfully across the organization and with customers in a constructive and collaborative manner. Negotiate structures and closes customer sales.
• Applies knowledge of banking products and services to meet customer needs and enable them to achieve their financial goals. Identifies prospecting approaches to identify potential customers and create opportunities to sell financial solutions and ideas to customers.
• Sound knowledge of commercial lending practices, compliance issues, and underwriting skills.
• Excellent relationship skills with an optimistic, can-do-it approach.
• Strong analytical and critical thinking skills with the ability to exercise sound judgement and make decisions based on accurate and timely analysis.
• Proficient computer skills in Microsoft Office Word, Excel, and Outlook; Salesforce a plus

Work Schedule

• Generally, M - F; Travel to customer locations and other business sites as needed.

Pay Range: Firstrust Bank demonstrates fair, competitive, and market-based compensation for our employees. The compensation for this role includes a base salary range for this position is $175,000 to $210,000 as well as eligibility for other bonus programs. The pay range may vary based on factors including but not limited to knowledge, skills, experience, and work location. We offer a competitive benefits plan including but not limited to Health, Dental, Vision, Life, Disability, 401K, Paid Time off, other ancillary benefits based on position

Firstrust Bank provides equal employment opportunity without regard to race, color, creed, sex (including pregnancy), age, gender, (including gender nonconformity and status as a transgender or transsexual individual), physical or mental disability, religion, national origin, genetics, marital status, veteran's status, ancestry, citizenship, sexual orientation, or other characteristics protected by applicable law. This policy applies to all areas of employment, including, without limitation, recruitment, hiring, training and development, promotion, transfer, termination, compensation, benefits, and all other conditions and privileges of employment in accordance with applicable federal, state and local laws.

Firstrust Bank is an Equal Opportunity Employer.