Business Banking Relationship Manager

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Full Time Rochester, NY, US

11 days ago Requisition

Salary Range: $ To $ Annually

Founded in 1922, The Upstate National Bank (UNB) is a nationally chartered community bank focused on providing credit and services to meet the needs of small and medium size businesses, entrepreneurs, and professionals, along with our retail consumers within our geographic marketplaces. We continually strive to provide a safe and secure environment while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve.

Our menu of credit, products and services is uniquely tailored to our clientele and evolved out of working closely with our corporate and professional customers to develop products with cost efficient attributes and qualities that address their everyday banking needs.

We primarily cover Upstate and the North Country in New York State utilizing our offices located in Rochester, Ogdensburg, and Philadelphia NY along with both our skilled people and technology.

The Business Banking Relationship Manager is responsible for sourcing and building relationships with commercial (C&I) and commercial real estate (owner occupied or investor) clients. This includes developing business relationships, deposit relationships and treasury management services, and loans.

• Solicit new business via execution of the bank’s business calling program and through referral network.
• Participate in civic and community activities to generate visibility and contact for bank.
• Meet with new and existing clients to provide solutions for both credit and bank services for commercial and industrial, and commercial real estate businesses.
• Identify and match bank products and services to customer needs.
• Maintain knowledge of the bank’s products and services, the market area served, and the banking environment.
• Personally resolve or delegate to appropriate bank personnel the resolution of customer questions and servicing needs.
• Conduct periodic field inspections of collateral and inventory held by the bank.
• Maintain active prospecting effort, including identification, qualification and calling; develop active Center of Influence (COI) referral network.
• Engage with customers and credit approval department
  • Obtain credit application, tax returns, financial statements, and other information necessary for credit analysis.
  • Perform or coordinate on-site inspections of collateral as needed.
  • Monitor customer’s financial condition, loan performance and repayment history.
  • Work with analysts to determine creditworthiness in accordance with bank credit policies.
  • Negotiate credit terms and repayment schedule within established policy guidelines.
  • Communicate credit decisions.

• Undergraduate degree in Finance, Business, or related field.
• At least 5 years of experience in business development and providing both services and credit to commercial clients.
• Excellent verbal and written communication skillsto conduct productive and meaningful loan discussions and analysis.
• Good analytical ability to interpret financial information and credit worthiness of applicant.
• Thrive in a collaborative, high-performance environment.
• Highly motivated and sales oriented to promote, sell, and refer various bank and non-bank products and services.
• Proficient or must become proficient in various bank software and MS Office applications.
• Must maintain confidentiality at all times.
• Primarily office-based in Rochester NY office.
• Travel for business…