Relationship Manager II

First Citizens Community Bank • Kennett Square, PA

83d

About The Position

Utilize relationship management skills and techniques to service and expand current business relationships by proactive, ongoing contact with the customers to determine their financial needs and developing appropriate solutions by offering a broad spectrum of financial products and services (including, but not limited to, loans, deposits, cash management, merchant and wealth management services) in order to enhance existing business relationships and contribute to the bank's profit and growth objectives. Develop and administer a portfolio of commercial loans that meet or exceed the bank's credit quality and profitability by demonstrating sound credit analysis, loan structuring and conducting annual reviews in compliance with established internal and regulatory policies and procedures while providing excellent customer service in order to contribute to the bank's profit and growth objectives. Identify and proactively contact non-customers individually or jointly with other financial service specialists in order to determine needs and provide solutions to new customers while maintaining a proactive new business development program in order to develop new business relationships and contribute to the bank's profit and growth objectives. Submit reports including reports on business development activities (such as pipeline report and weekly action plans) and report on emerging or potential problem loans in an accurate and timely manner in order to keep management informed of business development activities, problem loans and other information. Develop and maintain a personal program for maintaining an adequate level of knowledge in lending, asset management and other banking matters, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

Requirements

• General knowledge and understanding of lending laws and regulations.
• Specific knowledge of the bank's lending policies and procedures.
• Ability to determine payments, insurance costs, ratios, etc.
• Proficient in Microsoft Office Suite and related program software.
• Proficient with or the ability to quickly learn position-related software.
• Good communication and interpersonal skills and an ability to make presentations.
• Excellent customer service skills.
• Bachelor's degree in business or banking, or equivalent educational experience.
• Three-plus years of commercial lending experience.
• Successful business development experience.
• Experience in community and civic activities.

Responsibilities

• Utilize relationship management skills to service and expand current business relationships.
• Develop and administer a portfolio of commercial loans.
• Identify and proactively contact non-customers to determine needs and provide solutions.
• Submit reports on business development activities and potential problem loans.
• Maintain knowledge in lending, asset management, and other banking matters.

Benefits

• Health, dental, and vision benefits
• 401k w/ company match
• Paid time off; paid holidays
• Group and voluntary life insurance and disability insurance
• Aflac supplemental plans
• Employee Assistance Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree
• Number of Employees: 251-500 employees