Strategic Commercial Relationship Manager

First Financial Bank; Michigan; Hybrid; USD 130,000 - 210,000; Full time

Job summary

First Financial Bank in Michigan seeks a Relationship Manager to develop and expand client relationships, generate loans, deposits, and fees, and ensure cohesive credit eligibility and underwriting. You will market bank products, plan client calls, and drive profitability across an assigned geographic area.

The role requires strong communication, relationship-building, and negotiation skills, with a focus on delivering holistic financial solutions and expanding a profitable loan and deposit book.

Qualifications

• Bachelor’s degree.
• Seven (7) 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.
• Credit training, credit quality and underwriting experience; including financial analysis.

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.
• 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 to determine general credit worthiness and merits of loan requests.
• Prepares and oversees loan approval requirements including underwriting to meet borrower and bank needs.
• Obtains appropriate approval for credit under consideration and negotiates terms including pricing, collateral, and repayment.
• Responsible for portfolio management including monitoring credit quality, past due credits, non-performing credits and covenant compliance.
• Actively participates in community and professional organizations on behalf of First Financial Bank.

Skills

Relationship management

Sales

Communication

Negotiation

Financial analysis

Credit analysis

Portfolio management

Problem-solving

Education

Bachelor's degree

Job description

First Financial Bank in Michigan seeks a Relationship Manager to develop and expand client relationships, generate loans, deposits, and fees, and ensure cohesive credit eligibility and underwriting. You will market bank products, plan client calls, and drive profitability across an assigned geographic area.

The role requires strong communication, relationship-building, and negotiation skills, with a focus on delivering holistic financial solutions and expanding a profitable loan and deposit book.