Relationship Manager III - CRE Healthcare Banking

First Financial Bank • Worthington, OH

2d • $120,000 - $165,000 • Onsite

About The Position

The Relationship Manager will handle multi-faceted relationships as you call on prospective and existing clients to generate loans, deposits, and fees for a geographic area. You will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products. Your responsibilities include marketing products and services, including preparing for client calls, making sales calls, and call follow-up as well as monitoring and enhancing profitability on all assigned relationships. The Relationship Manager participates in the achievement of corporate sales and service goals to build customer (external/internal) relationships and enhance shareholder value. The RM III position will generally be located in a market hub or other high business potential area. Develops new and expands existing client relationships by participating in business development activities, proactively reviewing client’s current and changing financial needs, and promoting products and services. Aggressively grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals. Develop a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data. Analyzes personal and financial data to deepen current, profitable client relationships. Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests. Prepares or oversees the completion of the loan approval form. including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration. Establishes and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc. Responsible for the credit quality which includes past due credits, non performing and credit exceptions of their active portfolio. Actively participates and represents First Financial Bank in various community, civic and professional organizations. Monitors the performance of the borrower over the life of the loan. Be able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy. Refers loans to loan committee for approval. Promotes and cross-sells other establishment products and services as appropriate to customer requirements. Generally handles loan relationships with aggregate exposure between $4M and $15M and portfolios between $25 and $75M.

Requirements

• 5+ years of relationship/account management experience selling banking products in the appropriate segmentation.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Generating new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Undergraduate degree required; Accounting or Finance preferred.
• Credit training, credit quality and underwriting fundamentals experience; including financial analysis required.

Nice To Haves

• Accounting or Finance preferred for undergraduate degree.

Responsibilities

• Handle multi-faceted relationships with prospective and existing clients.
• Generate loans, deposits, and fees for a geographic area.
• Determine credit eligibility, prepare loan narratives, and ensure loans meet appropriate criteria.
• Effectively cross-sell a wide variety of products.
• Market products and services, including preparing for client calls, making sales calls, and call follow-up.
• Monitor and enhance profitability on all assigned relationships.
• Participate in the achievement of corporate sales and service goals.
• Build customer (external/internal) relationships and enhance shareholder value.
• Develop new and expand existing client relationships through business development activities.
• Proactively review client’s current and changing financial needs.
• Promote products and services.
• Aggressively grow and maintain a profitable book of business (loans and deposits).
• Achieve individual and market goals.
• Develop a comprehensive understanding of client’s needs.
• Analyze personal and financial data to deepen current, profitable client relationships.
• Qualify prospects by collecting and analyzing financial and related data.
• Determine general credit worthiness of the prospect and merits of specific loan requests.
• Prepare or oversee the completion of the loan approval form, including underwriting.
• Obtain appropriate approval for credit under consideration.
• Establish and negotiate terms for credit extension (pricing, fees, costs, repayment, collateral, etc.).
• Responsible for the credit quality of their active portfolio (past due, non-performing, credit exceptions).
• Actively participate and represent First Financial Bank in community, civic, and professional organizations.
• Monitor borrower performance over the life of the loan.
• Recognize developing problems and bring them to management's attention.
• Assist in developing strategies for troubled credits.
• Refer loans to loan committee for approval.
• Promote and cross-sell other establishment products and services.
• Handle loan relationships with aggregate exposure between $4M and $15M and portfolios between $25 and $75M.

Benefits

• Relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing.
• Incentive Eligibility (All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions).

What This Job Offers

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