Sr Commercial Relationship Manager

About the position

Step into the dynamic world of Citizens Trust Bank, where a century-long legacy meets today's financial trends. We're all about customized financial services and innovative solutions to meet our awesome customers' ever-changing needs. With values like Integrity, Accountability, Respect, Innovation, Service Excellence Collaboration, and Leadership, we're on a mission to pave the way for financial success across generations. Joining the CTB team of professionals means engaging in a world of personal growth and professional triumphs.

Responsibilities

• Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Birmingham, Alabama area.
• Plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships.
• Establishes effective and lasting business relationships; responds quickly to referrals.
• Evaluates the creditworthiness of prospective customers ahead of submission to underwriting.
• Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction.
• Attends, participates, promotes, and represents the bank at business, professional, and community events.
• Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries.
• Manages all aspects of relationships to ensure maximum profitability and credit quality.
• Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives.
• Maintains a sound working knowledge of all products, services, and solutions offered by the bank.
• Demonstrates commitment to excellence; consistently provides superior customer service.
• Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards.
• Develops and executes business development and strategic plans for meeting production and sales goals and objectives.
• Maintains an updated pipeline report, call report, and prospect database on a weekly basis.
• Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions.
• Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals.
• Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices.
• Protects customers' information and interests; identifies and complies with all legal requirements.
• Proactively utilizes the bank's customer relationship system, tools, programs, and other resources to meet goals and objectives.
• Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested.
• Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand.
• Collaborates and cultivates effective relationships with all business lines for excellent results.
• Exceeds all established performance and position's goals, objectives, and expectations.

Requirements

• Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment.
• Bachelor's degree in finance, economics, business, accounting, marketing, communications, management, or a related field.
• Series 7 and 63 Licenses are a plus.
• Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA).
• Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment.
• Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills.
• Strong problem solving, team building, planning, persuasive, and negotiation skills.
• Ability to establish credibility, respect, be decisive, establish good business and working relationships.
• Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker.
• Ability to adhere to the bank's professional dress code and convey a positive and professional image.
• People and results-oriented; aggressive and assertive with a high energy level.
• Ability to meet performance goals, objectives, and deadlines.
• High integrity with the ability to handle confidential matters.

Nice-to-haves

• Credit and underwriting experience a plus.
• Demonstrated career achievements and academic excellence.
• Innovative, digital, and technology-savvy.

Benefits

• Medical, Dental, Vision, and Prescription
• 401(k) Retirement Plan
• Life Insurance
• Accidental Death & Dismemberment
• Short&/Long Term Disability
• Flexible Spending Plan
• Paid Time Off, Vacation, and Holiday Pay
• Tuition Reimbursement
• Employer Assisted Housing Program
• Wholesale Membership Program
• Wellness Program
• Employee Assistant Referral Services (EAP)
• Legal Shield Program
• Group Cancer & Accident Insurance Programs
• Worker's Compensation Program
• Free Banking Services
• Awards and Recognition Programs
• Training & Development Programs