Relationship Manager I - Business Banking

PNC • Washington Township, MI

4d • Onsite

About The Position

As a Relationship Manager I - Business Banker within PNC's Business Banking organization, the employee is based in Romeo, Imlay City, and Washington, Michigan. PNC Business Bankers provide cash flow solutions to businesses with annual sales from $1 million to $5 million. The role serves as a trusted advisor, facilitating cash flow conversations with clients and prospects and managing the ongoing sales cycle to help business customers optimize cash flow and achieve their goals. PNC's targeted small business segments include Retail, Agricultural, Healthcare, Manufacturing, Professional Services, Wholesale, and Women in Business. The employee develops and cultivates Center of Influence relationships to meet and exceed sales goals and business objectives, and works with internal service partners to onboard and expand the business portfolio.

The role manages relationships with new and/or existing clients in a book of business to grow sales, revenue, and market share. It typically serves clients with basic levels of risk and complexity and works under a higher degree of supervision. With direction, the Relationship Manager acquires, expands, and retains client relationships; originates and analyzes credit and non-credit products and services; negotiates and documents solutions; manages risk and quality; identifies client opportunities and provides relevant ideas and insights; and builds internal and external networks to acquire and expand business. PNC is an in-office company. PNC will not provide employment visa sponsorship or participate in STEM OPT for this position.

Requirements

• Typically requires a university or college degree and 3+ years of relevant or direct industry experience.
• A comparable combination of education, job-specific certifications, and experience, including military service, may be considered in lieu of a degree.
• Demonstrate knowledge, skills, and abilities appropriate to the role.
• Demonstrate customer focus, including understanding customer needs and satisfaction and using that knowledge to create customized customer solutions.
• Assess and manage risks associated with business objectives and activities in support of PNC's Enterprise Risk Management Framework.

Nice To Haves

• Preferred skills include book of business management, client relationship building, credit processes, credit products, customer engagement, decision making, financial analysis, and identifying sales opportunities.
• Competencies include business acumen, client relationship management, customer experience management, decision making and critical thinking, effective communications, prospecting, selling, and technology skills.
• Certifications are often desired; no specific certification is required.

Responsibilities

• Manage relationship activities with new and/or existing clients in a book of business to grow sales, revenue, and market share in line with relevant sales goals.
• Acquire, expand, and retain client relationships under direction to generate revenue and deepen share of wallet.
• Originate, analyze, negotiate, and document credit and non-credit products and services.
• Manage risk and return, drive quality, and identify and mitigate regulatory, reputational, operational, and credit risks.
• Identify client opportunities and provide ideas and insights based on clients' needs and financial well-being to increase engagement and loyalty.
• Build internal and external relationships, including community and industry relationships, to acquire new clients, expand existing relationships, and enhance the client experience.
• Present the full range of PNC products and services and use reporting and sales tools to identify and convert sales opportunities.
• Analyze, evaluate, and mitigate credit risk using knowledge of credit fundamentals and internal credit policies.
• Develop and cultivate Center of Influence relationships to meet or exceed sales goals and business objectives.
• Work with internal service partners to onboard and expand the business portfolio.
• Provide cash flow solutions and manage the ongoing sales cycle for business customers.

Benefits

• Medical and prescription drug coverage, with a Health Savings Account feature, for eligible full-time employees.
• Dental and vision options.
• Employee and spouse/child life insurance.
• Short- and long-term disability protection.
• 401(k) with PNC match.
• Pension and stock purchase plans.
• Dependent care reimbursement account.
• Back-up child and elder care.
• Adoption, surrogacy, and doula reimbursement.
• Educational assistance, including select programs that are fully paid.
• Wellness program with financial incentives.
• Maternity and/or parental leave, depending on eligibility.
• Up to 11 paid holidays each year, depending on eligibility.
• 9 occasional absence days each year, unless otherwise required by law.
• 15 to 25 vacation days each year depending on career level and years of service.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level