Commercial Relationship Manager

Citadel Credit Union•Uwchlan Township, PA

67d•Hybrid

About The Position

We're seeking a seasoned Commercial Relationship Manager (CRM) to join our growing Business Banking team. In this pivotal role, you'll play a key part in driving commercial loan growth while building strong client relationships and fostering new deposit opportunities. You will become a financial expert for your members, understanding their needs through in-depth financial analysis and proactively recommending solutions across Citadel's product suite (loans, deposits, etc.). You will utilize your strong credit analysis skills to evaluate loan applications, structure deals, and manage credit risk, ensuring all member relationships meet strict compliance standards. You will identify and leverage cross-selling opportunities to deepen client relationships and drive profitable business growth by exceeding loan, deposit, and fee income goals. You will be a visible and active participant in the local business community, fostering relationships and identifying potential business members. You will collaborate effectively with internal teams (credit, deposit solutions) and external partners (COIs) to deliver a comprehensive 360-degree client experience.

Requirements

Proven track record of originating and closing commercial loans within a competitive environment.
Minimum of 7-10 years of experience in commercial banking, with a strong understanding of credit analysis and risk management.
Excellent communication and presentation skills, with the ability to build strong relationships with business owners and decision-makers.
Deep understanding of commercial banking products and cash management, including deposit solutions.
Proven ability to develop and leverage strategic partnerships.
Active and engaged member of the local business community.
Undergraduate degree in business/related field or equivalent work experience.
5 to 10 years commercial lending and deposit experience.
Formal commercial lending credentials such as (CFI, RMA, or Moody).
10 plus years demonstrated sales and business development experience with proven results.
Excellent customer service skills.
Excellent verbal and written communication skills and Excellent presentation skills.
In depth knowledge of financial products and banking regulations.
Demonstrated experience with and expertise in analyzing and comprehending personal and commercial financial statements.
Extensive experience and in-depth knowledge of commercial deposits, lending, and small business operations.
Proficient in personal computer applications - PC (MS Windows and Office Products), Client Experience Desktop.

Responsibilities

Develop a network of Centers of Influence (COIs) and leverage existing relationships to identify and acquire new business members with revenue between $5-$25 million.
Secure loan opportunities with strong deposit potential.
Become a financial expert for members, understanding their needs through in-depth financial analysis and proactively recommending solutions across Citadel's product suite (loans, deposits, etc.).
Utilize strong credit analysis skills to evaluate loan applications, structure deals, and manage credit risk, ensuring all member relationships meet strict compliance standards.
Identify and leverage cross-selling opportunities to deepen client relationships and drive profitable business growth by exceeding loan, deposit, and fee income goals.
Be a visible and active participant in the local business community, fostering relationships and identifying potential business members.
Collaborate effectively with internal teams (credit, deposit solutions) and external partners (COIs) to deliver a comprehensive 360-degree client experience.
Become a product expert: Know Citadel's offerings inside and out, including competitor products.
Build relationships: Network with influencers to bring in new business.
Be active in the community: Represent Citadel and find opportunities locally.
Understand client needs: Analyze financial data to identify member goals.
Deliver exceptional service: Regularly review client relationships and provide solutions.
Grow client business: Recommend products and close deals to reach revenue targets.
Mentor colleagues: Train and develop less experienced branch staff and relationship managers.
Close deals: Actively listen, present solutions, and secure member agreements.