Relationship Manager I - Business Banking

PNC•West Caldwell, NJ

17h•Onsite

About The Position

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Relationship Manager within PNC's Business Banking organization, you will be based in West Essex, New Jersey. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. This role involves handling relationship management activities with new and/or existing clients in a book of business to grow sales, revenue, and market share with relevant sales goals. The position typically works with clients with basic levels of risk and complexity of needs, generally with a higher degree of supervision. The Relationship Manager will acquire and/or expand and retain client relationships to generate revenue and deepen share of wallet. They will handle the origination, financial analysis, negotiation, and documentation of credit and non-credit products and services. The role requires managing risk/return and driving quality for new and/or existing clients, actively identifying and mitigating different types of risk, such as regulatory, reputational, operational, and credit risks. The manager focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being, aiming to increase client engagement and loyalty. Building an effective network of internal and external relationships, such as community and industry relationships, is essential for actively acquiring new clients and/or expanding existing clients and enhancing the client experience. The role focuses on bringing the entire bank to the client by presenting the full range of PNC's products and services. It also involves leveraging reporting and sales tools to proactively identify and successfully convert sales opportunities. As defined with the business, the Relationship Manager must demonstrate the ability to analyze, evaluate, and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies. PNC Employees are expected to be Customer Focused, knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions, and able to leverage that information in creating customized customer solutions. They are also expected to be adept at Managing Risk, assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Requirements

University / college degree, with 3+ years of relevant / direct industry experience
In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered
Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions (Customer Focused)
Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework (Managing Risk)
Business Acumen
Client Relationship Management
Customer Experience Management
Decision Making and Critical Thinking
Effective Communications
Prospecting
Selling
Tech Savvy

Nice To Haves

Certifications are often desired
Book Of Business
Client Relationship Building
Credit
Credit Products
Customer Engagement
Decision Making
Financial Analysis
Identifying Sales Opportunities

Responsibilities

Handles relationship management activities with new and/or existing clients in a book of business to grow sales, revenue and market share with relevant sales goals
Acquires and/or expands and retains client relationships to generate revenue and deepen share of wallet
Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services
Manages risk/return and drives quality for new and/or existing clients
Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational and credit risks
Focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being
Focuses on increasing client engagement and loyalty
Builds an effective network of internal and external relationships, such as community and industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience
Focuses on bringing entire bank to the client by presenting the full range of PNC's products and services
Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities
Demonstrates ability to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies
Be Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions
Manage Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework

Benefits

Medical/prescription drug coverage (with a Health Savings Account feature)
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/elder care
Adoption, surrogacy, and doula reimbursement
Educational assistance, including select programs fully paid
Robust wellness program with financial incentives
Maternity and/or parental leave
Up to 11 paid holidays each year
9 occasional absence days each year, unless otherwise required by law
Between 15 to 25 vacation days each year, depending on career level; and years of service