Business Banking Relationship Manager - Southern Division - RELAT003609

Citadel•Exton, PA

24d•Hybrid

About The Position

The Business Banking Relationship Manager acquires new members and deepens relationships with existing business members whose annual sales range from $1 million to $10 million. The role builds and uses a strategic network of local centers of influence to develop profitable relationships and maintains strategic partnerships with Citadel business lines to make effective referrals and enhance the member experience. As a trusted advisor, the Relationship Manager proactively manages member relationships by promoting appropriate financial products and services, sharing relevant financial information, and identifying or referring cross-organization solutions. The role also researches competitors’ strengths, weaknesses, products, and pricing. This is a hybrid position based in the Southern Region branches of Paoli, West Chester, and Downingtown. Business Banking Relationship Managers are expected to be in their branches five days a week, partnering with branch colleagues while engaging their business portfolios. Early or late appointments for members or business networking may require schedule flexibility and must be entered in the Relationship Manager’s Outlook calendar.

Requirements

Undergraduate degree in business or a related field, or equivalent work experience.
Three to five years of commercial deposit and lending experience.
Five or more years of demonstrated sales and business development experience with proven results.
Current and/or prior portfolio management experience.
Excellent customer service skills.
Excellent verbal and written communication skills.
Excellent presentation skills.
In-depth knowledge of financial products and banking regulations.
Demonstrated experience with and broad understanding of personal and commercial financial statements.
Proven experience with and comprehensive understanding of commercial deposits, lending, and small business operations.
Proficiency with personal computer applications, including MS Windows, Microsoft Office products, and Client Experience Desktop.

Responsibilities

Maintain in-depth knowledge of Citadel products and services, competitors, and competitive offerings.
Contribute to the region’s referral pipeline through established internal and external centers of influence.
Participate in community organizations to develop business opportunities and demonstrate Citadel’s commitment to the local community.
Maintain a current understanding of members’ needs by reviewing and analyzing gathered personal and business financial data.
Conduct consistent relationship reviews with focus clients to deliver distinctive service.
Promote and cross-market products and services; keep clients informed of offerings and promotions and provide appropriate financial solutions through consultative reviews and proactive contact.
Make joint calls with Market Managers and less experienced Business Relationship Managers to develop their sales skills and identify consumer opportunities.
Listen to client concerns, present clear and concise information, and provide targeted solutions to close sales.
Serve as the members’ credit expert in coordination with the commercial loan department to facilitate underwriting and credit approval.
Ensure new member relationships meet compliance requirements; verify account and loan documents are complete and correct, submit complete document packages, resolve exceptions, and understand their causes.
Grow and manage a profitable book of business by closing deals and meeting or exceeding individual and regional goals for revenue, contribution margin, fee income, loans, and deposits.