Relationship Manager Sr I _RBC

City National Bank • New York, NY

12d • Remote

About The Position

The Relationship Manager Sr I acquires and manages small business and personal banking relationships within an assigned geography, collaborating with RBC USWM Financial Advisors and other partners to deliver City National Bank’s capabilities. This is a national role that is primarily remote and involves frequent virtual collaboration and education of financial advisors about small business owners’ financial needs and CNB’s offerings. Some in-market collaboration is required.

The position develops new business and manages and expands an existing client portfolio through consultative financial advice, qualified referrals, cross-selling, and consistent service. It is responsible for an intermediate-to-large business banking portfolio with moderate-to-high complexity, typically ranging from $20 million to $40 million. Client lending needs may include term loan agreements and revolving credit lines. Success measures include new relationship acquisition, deposit and fee-income growth, lending origination and retention, effective risk management, and strong internal referral relationships.

The role requires maintaining good standing and registration or licensure under the SAFE Act and Nationwide Mortgage Licensing System and Registry, or the ability to become registered under the SAFE Act. The employee must remain in good standing under the SAFE Act.

Requirements

• Bachelor's degree or equivalent.
• Minimum 10 years of direct sales experience.
• Minimum 10 years of experience in a financial institution.
• Must be in good standing under the SAFE Act and registered/licensed with the Nationwide Mortgage Licensing System and Registry, or able to become registered under the SAFE Act; must remain in good standing.
• Deep knowledge of banking products for personal and business clients, particularly small business offerings.
• Strong understanding of the regulatory environment, including CIP and KYC.
• Understanding of the economic environment and its impact on clients.
• Ability to review financial statements and assess clients’ financial health.
• Negotiation skills to balance bank and client needs while maintaining profitable relationships.
• Knowledge of CNB policies, procedures, and regulatory obligations.
• Strong communication and presentation skills and ability to engage clients and internal stakeholders.

Responsibilities

• Acquire new small business and personal relationships and manage existing clients to achieve deposit, lending, and fee-income goals while managing sales and credit pipelines.
• Develop a strategy to engage RBC USWM Financial Advisors and other partners for client introductions, education, and follow-up.
• Deepen existing client relationships through cross-selling, often in collaboration with financial advisors and subject-matter experts.
• Deliver a consistent client experience, address client needs, and resolve escalations appropriately.
• Develop banking acumen and sales practices through collaboration and internal training resources.
• Assess clients’ holistic needs using data and discovery activities, and recommend financial strategies, products, and solutions.
• Manage business and credit risk, stay within delegated lending authorities, and comply with bank policies, procedures, and applicable regulations.
• Interact professionally with CNB and RBC personnel and corporate and bank clients.
• Build trust by understanding clients’ circumstances and growth ambitions and providing tailored advice and solutions.
• Represent the Bank in civic and community affairs, business and industry organizations, and other professional activities as appropriate.
• Comply with operational, credit, and regulatory requirements, including Bank Secrecy Act, Know Your Client, Community Reinvestment Act, and Fair Lending Practices.
• Grow a moderately to highly complex business banking portfolio, typically $20 million to $40 million, including loans, deposits, and fee income.
• Monitor accounts for potential credit problems and ensure proper loan documentation.

Benefits

• Medical, dental, and vision coverage, available the first of the month following the start date.
• 401(k) company matching contribution.
• Tuition reimbursement and internal upskilling and training resources.
• Vacation, sick, and volunteer time.
• Fertility benefits and cancer, diabetes, and musculoskeletal support programs.
• Career mobility support from a dedicated recruitment team.
• Colleague Resource Groups for networking and community engagement.
• Eligible for bonus and/or commissions.

What This Job Offers

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