Commercial Relationship Manager

Description

Job Overview:

Are you a passionate and results-oriented commercial banking professional seeking a dynamic environment to leverage your expertise?

We're seeking a seasoned Commercial Relationship Manager (CRM) to join our growing Business Banking team. In this pivotal role, you'll play a key role in driving commercial loan growth while building strong client relationships and fostering new deposit opportunities.

What You'll Do:

• Client Acquisition & Growth: Develop a network of Centers of Influence (COIs) and leverage existing relationships to identify and acquire new business members with revenue between $5-$25 million. Focus on securing loan opportunities with strong deposit potential.
• Trusted Advisor: Become a financial expert for your members, understanding their needs through in-depth financial analysis and proactively recommending solutions across Citadel's product suite (loans, deposits, etc.).
• Commercial Credit Expertise: Utilize your strong credit analysis skills to evaluate loan applications, structure deals, and manage credit risk, ensuring all member relationships meet strict compliance standards.
• Cross-Selling & Revenue Growth: Identify and leverage cross-selling opportunities to deepen client relationships and drive profitable business growth by exceeding loan, deposit, and fee income goals.
• Community Engagement: Be a visible and active in the local business community, fostering relationships and identifying potential business members.
• Partnership Focus: Collaborate effectively with internal teams (credit, deposit solutions) and external partners (COIs) to deliver a comprehensive 360-degree client experience.

Who You Are:

• Proven track record of originating and closing commercial loans within a competitive environment.
• Minimum of 7-10 years of experience in commercial banking, with a strong understanding of credit analysis and risk management.
• Excellent communication and presentation skills, with the ability to build strong relationships with business owners and decision-makers.
• Deep understanding of commercial banking products and cash management, including deposit solutions.
• Proven ability to develop and leverage strategic partnerships.
• Active and engaged member of the local business community.

Why Citadel?

At Citadel, you'll join a team passionate about helping local businesses thrive. We offer a competitive compensation and benefits package, along with opportunities for professional development and career advancement.

Responsibilities

• Become a product expert :
  Know Citadel's offerings inside and out, including competitor products.
• Build relationships: Network with influencers to bring in new business.
• Be active in the community :
  Represent Citadel and find opportunities locally.
• Understand client needs :
  Analyze financial data to identify member goals.
• Deliver exceptional service: Regularly review client relationships and provide solutions.
• Grow client business :
  Recommend products and close deals to reach revenue targets.
• Mentor colleagues: Train and develop less experienced branch staff and relationship managers.
• Close deals: Actively listen, present solutions, and secure member agreements.

This is a hybrid position. It is expected that a Commercial Relationship Manager will come to work at Citadel HQ – a minimum of 4 of the 5 days a during a work week. The one day flexed is at the Commercial Relationship Manager's discretion. If a Commercial Relationship Manager needs the flexibility to adjust their schedule for early or late Member appointments/business networking attendance those appointments should be preset and on the Commercial Relationship Manager's calendar.

Qualifications and Education Requirements

• Undergraduate degree in business/related field or equivalent work…