Strategic Business Banking Advisor

Community Bank, N.A.; Center Valley (Lehigh County); On-site; USD 80,000 - 139,633; Full time

Benefits offered by this job

Health Insurance

401K with match

11 paid holidays

Paid vacation

Dental Insurance

Vision Insurance

Tuition Reimbursement

Banking discounts

Job summary

Community Financial System, Inc. (CFSI) is seeking a Business Banking Relationship Manager to acquire, grow, and manage a portfolio of business clients with credit needs up to $3,000,000 and revenues under $25 million.

You will deliver tailored lending, deposit, and treasury solutions while building trusted advisor relationships. Responsibilities include portfolio management, credit analysis, client advisory, and risk/compliance oversight.

Qualifications

• 3-7+ years of commercial or business banking experience, including credit underwriting or portfolio management exposure.
• Strong knowledge of commercial lending, cash flow analysis, and loan structuring for businesses under $25 million in revenue.
• Proven track record of business development success and portfolio growth.
• Excellent communication, relationship-building, and negotiation skills.
• Ability to interpret and analyze complex financial statements.
• All applicants must be 18 years of age or older.

Responsibilities

• Develop and manage a portfolio of business banking clients, ensuring strong relationship retention and growth.
• Identify and pursue new business opportunities through prospecting, networking, COI development, and targeted calling efforts.
• Analyze industry trends, local market conditions, and client needs to recommend appropriate banking solutions.
• Meet or exceed annual production goals for loans, deposits, and fee-based products.
• Conduct thorough financial analysis of business clients, including review of financial statements, tax returns, projections, and collateral.
• Structure credit facilities aligned with customer needs while ensuring compliance with bank credit policy and risk appetite.
• Prepare and present credit packages in partnership with credit underwriting teams.
• Monitor portfolio credit quality, manage renewals, and proactively identify early warning indicators.
• Serve as the primary point of contact for business clients, delivering consultative guidance on banking, lending, cash flow strategies, and capital needs.
• Partner with internal specialists to deepen client relationships and deliver comprehensive solutions.
• Conduct onsite client visits to maintain awareness of operational changes and provide strategic financial insights.
• Provide timely and responsive service to ensure exceptional client satisfaction.
• Maintain compliance with all regulatory, legal, and internal policy requirements.
• Ensure proper documentation, portfolio management, and adherence to KYC/AML standards.
• Manage risk through proactive monitoring of covenant compliance, collateral conditions, and borrower performance.
• Maintain proficient knowledge of all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner.

Skills

Commercial banking

Credit underwriting

Portfolio management

Cash flow analysis

Relationship building

Negotiation

Financial statement analysis

Education

Bachelor's degree in Business/Finance/Economics

Job description

Community Financial System, Inc. (CFSI) is seeking a Business Banking Relationship Manager to acquire, grow, and manage a portfolio of business clients with credit needs up to $3,000,000 and revenues under $25 million.

You will deliver tailored lending, deposit, and treasury solutions while building trusted advisor relationships. Responsibilities include portfolio management, credit analysis, client advisory, and risk/compliance oversight.