Business Banking Relationship Manager - Southern Division - RELAT003609

Citadel Credit Union•Uwchlan Township, PA

25d•Hybrid

About The Position

The Business Banking Relationship Manager acquires new members and deepens relationships with an existing portfolio of businesses with annual sales 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 partnerships with Citadel lines of business to refer business and enrich the member experience. As a trusted advisor, the manager proactively oversees 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, including their 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 also engaging their business portfolios. Early or late member appointments and business networking appointments may require schedule flexibility and must be preset in the 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 and 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 PC, MS Windows and Office products, and Client Experience Desktop.

Responsibilities

Maintain in-depth knowledge of products and services, competitors, and competitive products.
Influence the regional referral pipeline through established internal and external centers of influence.
Participate in community organizations to source business development opportunities and demonstrate Citadel’s commitment to the local community.
Maintain a current, comprehensive understanding of member needs through review and analysis of personal and business financial data.
Deliver distinctive service through consistent relationship reviews with focus clients.
Promote and cross-market products and services, inform clients about products, services, and special 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 enhance selling skills and uncover 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; ensure account and loan documents are complete, correct, and submitted with complete packages; resolve document exceptions and understand their causes.
Grow and maintain a profitable book of business by closing deals to meet or exceed individual and regional revenue, contribution margin, fee income, loan, and deposit goals.