Sr Commercial Relationship Manager

First Financial Bank; Columbus (IN); On-site; USD 75,000 - 125,000; Full time

Benefits offered by this job

Incentive eligibility

E-Verify Employer

Job summary

First Financial Bank in Columbus, IN is seeking an experienced Relationship Manager to service and grow a diverse client base. You will call on prospective and existing clients to generate loans, deposits, and fees while assessing credit eligibility and preparing loan narratives.

You will cross-sell a wide range of banking products, monitor profitability across your portfolio, and participate in community and professional organizations to build lasting relationships.

Qualifications

• Bachelor's degree required.
• Three years of proven relationship/account management experience in selling banking products.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Strong organizational skills and ability to prioritize multiple tasks.
• Analytical and problem-solving abilities with a consultative sales approach.

Responsibilities

• Develops new and expands client relationships through business development and cross-selling.
• Grows a profitable book of loans and deposits to meet goals.
• Assesses client needs based on financial data and reviews.
• Qualifies prospects by analyzing financial data to determine credit worthiness.
• Prepares loan approvals and ensures structures meet borrower needs.
• Obtains necessary credit approvals and negotiates terms and pricing.
• Manages portfolio credit quality and monitors exceptions.
• Represents the bank in community and professional organizations.
• Refer loans to loan committee for approval.
• Understand client goals and cross-sell products; refer to other lines of business as appropriate.

Skills

Relationship management

Sales

Communication

Analytical thinking

Negotiation

Problem solving

Multitasking

Product knowledge

Education

Bachelor's degree

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

The Relationship Manager ("RM") will handle multi-faceted relationships as you call on prospective and existing clients to generate loans, deposits, and fees for a geographic area. The RM will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products. Responsibilities include marketing products and services, including preparing for client calls, making sales calls, and call follow-up as well as monitoring and enhancing profitability on all assigned relationships. The Relationship Manager participates in the achievement of corporate sales and service goals to build customer (external/internal) relationships and enhance shareholder value. The position will generally be located in a market hub or other high business potential.

Essential Functions/Responsibilities

• Develops new and expands existing client relationships by initiating business development activities, proactively reviewing client's current and changing financial needs, and cross selling products and services.
• Grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client's needs based on the review and analysis of personal and financial data.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares and oversees the completion of the loan approval requirements including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank.
• Obtains appropriate approval for credit under consideration.
• Recommends and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Refers loans to loan committee for approval.
• Responsible for understanding clients' financial goals, provide credible advice and recommend products that fit their holistic needs.
• Intimately understand clients' business priorities and refer them to other lines of business as appropriate.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Bachelor's degree.
• Three (3) years of proven relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product knowledge.

Preferred Knowledge and Skills

Level of Complexity and Scope

Degree of Independence and Decision-Making

Required Supervisory Responsibilities

Physical Requirements

Compliance Statement

Development and Training

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.

Benefits

• Incentive Eligibility: All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
• We are an E-Verify Employer.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.