Business Banking Relationship Manager III- Philadelphia Main Line, PA

Business Banking Relationship Manager

At WSFS Bank, the Business Banking Relationship Manager manages and grows relationships with small-to-medium-sized businesses with up to $10-million in annual revenues, delivering customized financial solutions with total credit exposure of up to $3-million. The role drives business growth by providing expert financial advice and full-service business banking, including lending, deposit, and non-credit products that support the financial goals of business clients.

• Actively identify and pursue new business opportunities through self-generated referrals and an established network of CPAs, attorneys, business brokers, and commercial real estate professionals.
• Conduct client and prospect meetings to assess their financial needs, challenges, and opportunities, tailoring banking solutions to meet their goals.
• Prospect new business relationships and cross‑sell bank solutions and services.
• Perform comprehensive financial analysis, including review of financial statements, credit reports, and cash‑flow projections, to determine creditworthiness.
• Develop and recommend loan structures, repayment schedules, and collateral requirements in alignment with client needs and the bank’s credit policies.
• Negotiate loan terms, ensuring a mutually beneficial agreement while adhering to regulatory and compliance guidelines.
• Manage an active loan portfolio, ensuring compliance with loan terms, policies, and regulatory requirements.
• Conduct regular portfolio reviews to identify risks, monitor payment trends, and address early warning signs of potential issues.
• Collaborate with credit and portfolio management teams to ensure timely renewal of loans and updates to client profiles.
• Serve as the primary relationship manager, deepening client relationships through consistent engagement and cross‑selling of banking solutions, including cash management, personal banking, and wealth management solutions.
• Function as the gatekeeper for the bank, ensuring clients are aware of and benefit from the full range of banking solutions and services.
• Provide exceptional customer service, proactively addressing client concerns and identifying opportunities to enhance their banking experience.
• Partner with internal teams, including credit administration, operations, portfolio managers, and product specialists, to deliver comprehensive solutions for clients.
• Mentor and coach junior relationship managers and assist in training new and less experienced small‑business relationship managers on lending procedures, policies, and regulations.

• Bachelor’s degree in business or finance preferred, or equivalent experience demonstrated through a combination of work and military experience and education/training.
• Experienced business lender with 5+ years of new business development experience and direct sourcing and prospecting of new clients.
• 5+ years of business lending experience in the financial industry along with a proven history of managing relationships and sustaining consistent production.
• Demonstrated proficiency in working with key internal resources.
• Experience utilizing a CRM system to manage and monitor progress in a sales pipeline toward converting prospects to customers.
• Strong knowledge of business lending, consumer lending, and deposit products.
• Credit experience, loan structuring, and financial statement analysis.
• Proficiency with analyzing applicant financial status, credit, and property evaluation to determine ability and capacity to repay and service debt.
• Basic knowledge of all applicable regulations that pertain to this position.
• Knowledge of the Bank Secrecy Act and Anti‑Money Laundering policies, procedures, and related programs.
• Ability to travel within the WSFS Bank footprint.
• Authorized to work in the United States without requiring work visa sponsorship from WSFS Bank now or in the future.

Salary Range: $ – $. Individual base pay may vary based on the candidate’s experience, job‑related skills, relevant education, geographic location, and other specific business and organizational needs. WSFS provides a competitive benefits package, including medical,…