Sr. Commercial Relationship Manager

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! The Relationship Manager (“RM”) will handle multi-faceted relationships as you call on prospective and existing clients to generate loans, deposits, and fees for a geographic area. The RM will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products.

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 position will generally be located in a market hub or other high business potential.

• Develops new and expands existing client relationships by initiating business development activities, proactively reviewing client’s current and changing financial needs, and cross selling products and services.
• Grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data.
• 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 and oversees the completion of the loan approval requirements 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.
• Recommends 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 portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Refers loans to loan committee for approval.
• Responsible for understanding clients’ financial goals, provide credible advice and recommend products that fit their holistic needs.
• Intimately understand clients’ business priorities and refer them to other lines of business as appropriate.
• Collaborates with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams and Bank senior management.
• Participates in all bank marketing and sales promotions, contributes to initiatives and programs designed to promote organization’s strategic priorities, complies with all bank, loan and regulatory guidelines and policies.

• Bachelor’s degree.
• Ten (10) years of proven relationship/account management experience selling banking products in the appropriate segmentation required.
• 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.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Marketing oriented.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product…