Sr Commercial Relationship Manager

First Financial Bank; Columbus (IN); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Incentive eligibility

Job summary

First Financial Bank is seeking an experienced Relationship Manager to handle a diverse client base in the Columbus market. You will drive loans, deposits, and fees by understanding client needs and delivering tailored banking solutions.

In this role, you will grow a profitable book, assess creditworthiness, and collaborate across departments to maximize client value while maintaining compliance and service excellence.

Qualifications

• Bachelor's degree required.
• 3+ years proven relationship/account management in banking.
• Excellent interpersonal, written and verbal communication.
• Strong organizational and multi-tasking abilities.
• Solid analytical and problem-solving skills.
• Proven sales and negotiating experience.
• Ability to develop new business through consultative sales.
• Well-versed in product knowledge and cross-selling.

Responsibilities

• Develops and expands client relationships through prospecting and cross-selling.
• Grows profitable book of business with loans and deposits to meet goals.
• Assesses client needs using financial data to tailor solutions.
• Qualifies prospects by analyzing credit-worthiness and loan merits.
• Prepares loan approvals and ensures credit terms meet borrower needs.
• Negotiate terms, pricing, and collateral while managing risk.
• Monitor portfolio quality and compliance across assigned relationships.
• Represent First Financial Bank in community and professional networks.
• Refer loans to loan committee for approval when appropriate.
• Understand clients' goals and cross-sell across lines of business.

Skills

Interpersonal skills

Written and verbal communication

Presentation skills

Organizational skills

Analytical problem-solving

Sales and negotiation experience

Consultative selling

Customer relationship management

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

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Benefits

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

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

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.