Commercial Relationship Manager

First Financial Bank•Medford, OR

1d•$100,000 - $126,000

About The Position

The Relationship Manager manages multifaceted relationships with prospective and existing clients in a geographic area to generate loans, deposits, and fees. The role determines credit eligibility, prepares loan narratives, ensures loans meet appropriate criteria, cross-sells products, and monitors the profitability of assigned relationships. It contributes to corporate sales and service goals by building client relationships and enhancing shareholder value. The position is generally located in a market hub or another area with high business potential. The Relationship Manager develops and maintains a profitable book of business, analyzes clients’ financial needs, assesses prospects’ creditworthiness, and oversees loan underwriting and approval requirements. The role recommends and negotiates credit terms, manages portfolio quality and compliance, participates in community organizations, and refers clients to other lines of business when appropriate.

Requirements

Bachelor’s degree.
Three years of proven relationship or account management experience selling banking products in the appropriate segmentation.
Excellent interpersonal, written, verbal communication, and presentation skills.
Excellent organizational skills and the 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.
Ability to work effectively with individuals and groups in managing customer relationships.
Well-versed in product knowledge.

Responsibilities

Develop new client relationships and expand existing ones through business development, reviews of clients’ financial needs, and cross-selling products and services.
Grow and maintain a profitable book of loans and deposits to achieve individual and market goals.
Understand clients’ needs by reviewing and analyzing personal and financial data.
Qualify prospects by collecting and analyzing financial and related information to assess general creditworthiness and the merits of loan requests.
Prepare and oversee loan approval requirements, underwrite loans, structure credit to meet the needs of the borrower and bank, and obtain appropriate approval.
Recommend and negotiate credit terms, including pricing, fees, costs, repayment methods and schedules, and collateral requirements.
Manage the portfolio by monitoring credit quality, past-due and non-performing credits, credit exceptions, and covenant compliance.
Represent First Financial Bank in community, civic, and professional organizations.
Refer loans to the loan committee for approval.
Understand clients’ financial goals, provide credible advice, recommend suitable products, understand business priorities, and make referrals to other lines of business as appropriate.
Market products and services by preparing for client calls, making sales calls, and following up.
Monitor and enhance the profitability of assigned relationships.