Business Banking Relationship Manager

The Business Banker will develop and manage client accounts for the Business Banking Division, ensuring these accounts meet established requirements and maximize profitability while maintaining minimal risk.

• Represent the bank by conducting active prospecting and customer business development activities, generating new loans, deposits, and related business while meeting client needs.
• Manage relationships with business banking clients through service and support, overseeing account maintenance and ensuring client needs are met.
• Establish a strong referral network with commercial real estate agents, brokers, CPAs, accountants, attorneys, and other Centers of Influence.
• Develop professional relationships across Bank departments and supplemental business lines to cross‑sell and recommend appropriate products and services.
• Collaborate with other lines of business to meet clients’ specific needs.
• Provide quality customer service to existing customers, resolve problems, and maintain consistent communication via onsite visits and outbound calls.
• Maintain in‑depth knowledge of policies and Bank guidelines for the business line.
• Refer opportunities in lending, treasury management, insurance, residential mortgage, and deposit relationships to bank partners.
• Participate in community activities to promote the Bank’s products, maintain professional networks, and strengthen community ties.
• Interview loan applicants, analyze financial data to establish creditworthiness, negotiate terms, and monitor credit.
• Monitor outstanding loans and take necessary collection actions on past‑due amounts.
• Educate borrowers on business process, structure, and expectations.
• Analyze, determine eligibility, originate, and structure loan requests.
• Submit complete documentation packages for credit, assist in credit analysis and underwriting as needed.
• Recommend approval of customer applications for commercial loans.

• Excellent interpersonal, written, and verbal communication skills.
• Ability to calculate figures such as discounts, interest, and percentages.
• Ability to work independently, manage multiple projects, and meet deadlines.
• Ability to prioritize and organize assignments while working on multiple projects simultaneously.
• Intermediate PC skills and knowledge of Microsoft Office and referral tracking programs such as Sales Force.

• High School diploma or GED with a minimum of 3 years of related bank lending sales experience, or a combination of sales/credit analysis experience.
• Bachelor’s degree in Business, Accounting, or Finance with a minimum of 3 years of bank lending sales experience and at least 1 year of credit analysis experience is preferred.