Senior Associate, Business Banking Relationship Manager, Providence, RI

Santander•Providence, RI

1d•$90,000 - $155,000

About The Position

The Senior Associate, Business Banking Relationship Manager identifies, develops, builds, and expands the customer base, network, and business opportunities, growing loans, deposits, and fee income through sales plans and industry contacts, including centers of influence, existing clients, and referrals. The role collaborates with the Regional Manager on customer-centric relationship plans; coordinates targeted campaigns and events; and develops new relationships through prospecting, outside calling, networking, referrals, and community involvement. The Relationship Manager acts as a consultant to clients and a resource to the Bank, understands clients’ businesses and industries to identify credit requirements and opportunities, and provides needs-based solutions. The role prepares accurate commercial loan packages, negotiates terms and structures for complex deals, manages existing relationships and profitability, identifies cross-selling opportunities, and works toward sales goals for loans, deposits, and fee income. The position requires compliance with applicable policies, procedures, and federal and state laws, as well as maintaining a thorough understanding of credit policy, client eligibility, and business practices. The role also requires strong risk awareness, analytical and negotiating ability, client relationship skills, and the ability to manage multiple priorities. Frequent minimal physical effort such as sitting, standing, and walking is required; occasional light lifting or moving equipment or furniture may be required depending on location.

Requirements

Bachelor’s degree or equivalent work experience in Business, Finance, Economics, or an equivalent field.
At least 9 years in a Business Banking Relationship Manager role and/or related business lending experience.
Superior understanding of commercial and industrial (C/I) loans.
In-depth knowledge of banks, credit products, and deposit products.
Thorough understanding of market risks, macroeconomic and microeconomic issues as they apply to banking, and lending policies and procedures.
Thorough understanding of trends, competition, communities, and businesses in the serviced markets.
Superior analytical, consulting, and negotiating skills.
Superior written, verbal, and interpersonal communication skills.
High energy, results orientation, and ability to work well in a team environment.
Excellent business development and presentation skills.
Superior client relationship, marketing presentation, and sales/closing skills.
Ability to interact with clients professionally.
Strong computer skills, including Microsoft Word, PowerPoint, and Excel, and ability to learn new software and systems quickly.
Demonstrated ability to manage and prioritize multiple tasks.
Excellent understanding of Problem Asset Review Management, FAS 114 standards, covenant compliance, and TDRs.
Ability to maintain and demonstrate high ethical standards and personal integrity to build credibility and trust and enhance the organization’s reputation in the lending community.

Nice To Haves

Master’s degree in Business, Finance, Economics, or an equivalent field.
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Experience with Microsoft Office products.

Responsibilities

Collaborate with the Regional Manager to develop and implement customer-centric relationship plans.
Coordinate and organize targeted campaigns and events.
Comply with applicable policies and procedures and federal and state laws.
Develop new relationships through prospecting, outside calling, networking, referrals, and community involvement.
Act as a consultant to clients and a resource to the Bank in developing and retaining business.
Understand clients’ business environments, strategies, and industries to determine credit requirements, identify business opportunities, and provide needs-based solutions.
Apply credit policy, client eligibility criteria, and business practices to submit accurate and complete commercial loan packages.
Negotiate terms and loan structures with clients, including for complex deals.
Manage existing relationships to enhance profits, increase revenue, mitigate retention risk, and deliver excellent customer service.
Conduct relationship reviews and assess overall relationship profitability.
Identify cross-sale opportunities and facilitate referrals within the organization.
Work toward sales goals for loans, deposits, and fee income.
Identify acceptable credit opportunities and develop them to generate non-credit sales.
Maintain awareness of applicable policies, procedures, and legal requirements.