Director, Community Banking

First National Bank•Fort Collins, CO

1d•$107,552 - $182,838•Onsite

About The Position

The Community Banking Relationship Manager delivers advice and value to business customers and supports their growth and retention in line with credit and risk strategies. The role brings the bank to customers by connecting them with suitable products and services, including commercial deposit accounts, payment products, treasury services, business planning, and credit accounts. The Relationship Manager manages a portfolio of entrepreneurial and growing businesses in an assigned geography, matching the RM’s skills and experience to customer needs. The typical customer has 10–100 employees and an owner-led, wealth-building management style. The role’s time is allocated approximately 50% to acquiring new business, 30% to growing existing business, and 20% to servicing existing business. The RM is accountable for a portfolio of 50 relationships averaging $50 million in loans and a portfolio of 50 relationships averaging $50 million in deposits. Performance is measured through the RM dashboard and scorecard. The position works with product specialists and support teams across the bank, builds referral networks and community connections, and uses sales, prospecting, and technology tools to develop business and maintain data quality. The RM must follow bank policies, applicable laws and regulations, the BSA/AML Program, and required internal controls and procedures. The role is anticipated to be onsite at the posted location; work location may change based on business needs.

Requirements

Bachelor’s degree or equivalent experience.
At least 5 years of successful commercial lending relationship management experience.
Ability to build and grow a diverse portfolio of business products with growing entrepreneurial businesses.
Customer-focused thinker.
Strong customer and people relationship skills.
Proficient credit analysis knowledge and skills.
Proven experience prioritizing and handling multiple customer relationships at the same time.
Unrestricted work authorization; must not require future sponsorship.

Responsibilities

Understand customer needs and match them with appropriate FNBO solutions, delivering advice and value based on their financial needs and goals.
Manage business-customer relationships and a portfolio of 50 relationships averaging $50 million in loans and 50 relationships averaging $50 million in deposits.
Allocate approximately 50% of time to acquiring new business, 30% to growing existing business, and 20% to servicing existing business.
Build a portfolio of business customers and develop centers of influence, including attorneys, accountants, and other referral sources.
Guide, direct, and facilitate solutions across the bank’s product specialties for business customers.
Participate as an active member of the community.
Identify new business-customer opportunities and solutions that match customer needs.
Oversee portfolio quality, focusing on growth and retention in line with credit risk.
Facilitate product partners and support teams based on customer needs.
Negotiate terms and options with customers; qualify and document opportunities; and set expectations for timelines and product documentation requirements.
Use technology, sales, and prospecting tools and processes consistently and effectively to maintain data quality and develop business.
Collaborate with partners across the enterprise to optimize referrals and meet business-customer needs, accelerating income and growth.
Understand and comply with bank policy, laws, regulations, and the BSA/AML Program as applicable to job duties.
Complete required compliance training and follow internal procedures and controls.
Report known compliance violations and suspicious customer or account activity.
Exhibit professional behavior, promote positive working relationships, and maintain regular and predictable attendance.
Use Salesforce, Precision Lender, IMPAX, and nCino in accordance with role expectations and adapt to new ways of working.