Sr Associate, Business Banking Relationship Manager, New Haven, CT

Santander•New Haven, CT

5d•$90,000 - $155,000

About The Position

The Sr. Associate, Business Banking Relationship Manager identifies, develops, builds, and expands the customer base, network, and business opportunities. The role drives growth in loans, deposits, and fee income through robust sales plans and use of industry contacts, existing clients, and referrals. It collaborates with the Regional Manager on customer-centric relationship plans and coordinates targeted campaigns and events. The position develops new relationships through prospecting, outside calling, networking, referrals, and community involvement. It serves as a consultant to clients and a resource to the Bank, learning clients’ businesses and industries to determine credit requirements, identify opportunities, and provide needs-based solutions. The role applies credit policies and business practices to prepare accurate commercial loan packages, negotiates terms and structures for complex deals, and manages existing relationships to improve profitability, increase revenue, mitigate retention risk, and deliver excellent customer service. The Relationship Manager reviews relationship profitability, identifies cross-selling and referral opportunities, works toward sales goals for loans, deposits, and fee income, and develops acceptable credit opportunities that can also generate non-credit sales. The position requires compliance with applicable policies, procedures, and federal and state laws. Frequent minimal physical effort such as sitting, standing, and walking is required; depending on location, occasional moving and lifting of light equipment or furniture may be required.

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 C/I loans.
In-depth knowledge of banks, credit products, and deposit products.
Thorough understanding of market risks, macro- 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-oriented approach 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 Office (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.
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 the Company’s credit policy, client eligibility requirements, and business practices to submit accurate and complete commercial loan packages.
Negotiate loan terms and structures with clients, including for complex deals.
Manage existing relationships to enhance profits, increase revenue, mitigate retention risk, and provide 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.
Comply with applicable policies and procedures and federal and state laws, and stay abreast of changes.