South Jersey Commercial Relationship Manager

First Trust Bank•Conshohocken, PA

11d•Hybrid

About The Position

The Commercial Relationship Manager owns the client experience for commercial prospects, clients, and centers of influence. Through relationship building, qualification, and customized solutions, the role develops, expands, and retains commercial relationships to help the team achieve its financial and non-financial goals. The position ensures Commercial Banking assets and liabilities are properly accounted for, serviced, and protected in compliance with applicable laws, regulations, bank policies, and sound banking practices. The primary focus is retaining and organically growing relationships with small and medium enterprises. The Relationship Manager acts as the primary banker for a portfolio of commercial credit and non-credit relationships, using knowledge of lending, deposit, and cash management products to address customers’ business models and growth needs. The position works with Portfolio Managers and represents Firstrust in the community. The role is hybrid and generally scheduled Monday through Friday, with travel to customer locations and other business sites as needed.

Requirements

Three to five years of commercial lending experience.
Proven sales record.
Knowledge of commercial lending practices, compliance issues, and underwriting skills.
Ability to identify, engage, and create market opportunities; plan and target industries; and develop impactful value propositions.
Ability to apply financial sales solutions and negotiation concepts and techniques, negotiate collaboratively across the organization and with customers, and structure and close customer sales.
Knowledge of banking products and services to meet customer needs and financial goals.
Ability to identify prospects and create opportunities to sell financial solutions and ideas.
Excellent relationship skills and an optimistic, can-do approach.
Strong analytical and critical-thinking skills, sound judgment, and ability to make decisions based on accurate and timely analysis.
Proficiency with Microsoft Word, Excel, and Outlook.
Ability to drive to customer and other business locations and attend meetings at various venues.
Ability to occasionally ascend and descend stairs or ladders for inspections and lift files or materials weighing up to 20 pounds.
Ability to operate a computer terminal and exchange information; ability to use standard office equipment, including phone, fax, and copier.

Nice To Haves

Bachelor’s degree in finance, accounting, or a related business field.
Participation in formal credit training.
Salesforce experience.

Responsibilities

Develop, maintain, and expand Commercial Banking relationships to grow sales, revenue, and market share.
Retain and organically grow new and assigned small- and medium-enterprise relationships.
Use knowledge of loan, deposit, and cash management products to offer ideas and insights suited to customers’ business models and growth needs.
Analyze, structure, recommend, and submit loans for approval to the appropriate approving authority or loan committee.
Serve as primary banker and facilitator for bank capabilities for a portfolio of commercial credit and non-credit relationships.
Document and close approved loan requests in compliance with applicable laws, regulations, bank policies, and sound banking practices.
Review loan and deposit accounting system information and reports to ensure assigned assets and liabilities are correctly established and accounted for.
Support and empower Portfolio Managers as they monitor portfolios for delinquency, document follow-up, covenant compliance, financial reporting, renewals, and additional information needs.
Represent Firstrust in the community by developing referral sources and centers of influence, and participating in not-for-profit associations and boards of directors.
Assist in developing new business for Firstrust.
Identify expressed customer and prospect needs, suggest appropriate services, and direct customers to the appropriate person to establish business relationships.
Perform other duties as assigned.