South Jersey Commercial Relationship Manager

First Trust Bank•Conshohocken, PA

2d•Hybrid

About The Position

As a Relationship Manager, you will own the client experience for commercial prospects, clients, and centers of influence. Through relationship building, qualification, and customized solutions, you will develop, expand, and retain commercial relationships that help the team achieve its financial and non-financial goals. You will ensure Commercial Banking assets and liabilities are properly accounted for, serviced, and protected from loss or impairment in compliance with applicable laws, regulations, bank policies, and sound banking practices. The primary focus is retaining and organically growing new and assigned small and medium enterprise relationships. The role serves as the primary banker and facilitator for a portfolio of commercial relationships, across credit and non-credit needs, and represents Firstrust in the community. The position is hybrid, generally follows a Monday-through-Friday schedule, and requires travel to customer locations and other business sites as needed. The listed base salary range is $175,000 to $210,000, with eligibility for other bonus programs. Compensation may vary based on factors including knowledge, skills, experience, and work location. Firstrust offers a competitive benefits plan that includes health, dental, vision, life, disability, and 401(k), paid time off, and other ancillary benefits based on position.

Requirements

Three to five years of commercial lending experience.
Proven sales record.
Knowledge of the market and ability to identify, engage, and create opportunities.
Ability to plan, strategize, target appropriate industries, and create impactful value propositions.
Ability to apply financial sales solutions to negotiation concepts and techniques, negotiating constructively and collaboratively across the organization and with customers.
Ability to negotiate structures and close customer sales.
Knowledge of banking products and services to meet customer needs and support their financial goals.
Ability to identify prospecting approaches and create opportunities to sell financial solutions and ideas.
Sound knowledge of commercial lending practices, compliance issues, and underwriting skills.
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 Office Word, Excel, and Outlook.
Ability to drive a motor vehicle and attend meetings at various venues; occasionally ascend or descend stairs and/or ladders for inspections; lift files or materials weighing up to 20 pounds; operate a computer terminal; exchange information; and use standard office equipment including phone, fax, and copier.

Nice To Haves

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

Responsibilities

Develop, maintain, and expand Commercial Banking relationships to grow sales, revenue, and market share against relevant sales goals.
Retain and organically grow new and assigned relationships with small and medium enterprise prospects and clients.
Use knowledge of loan, deposit, and cash management products to offer ideas and insight informed by customers’ business models and growth needs.
Analyze, structure, recommend, and submit loans for approval to the appropriate approving authority or loan committee.
Act 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 commercial banking assets and liabilities are set up and accounted for correctly.
Support and empower Portfolio Managers as they monitor loan portfolios for delinquency, document follow-up, covenant compliance, ongoing 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.
Travel to customer locations and other business sites as needed.