Business Relationship Manager San Jose CA Area, Assistant Vice President

The Business Banker is responsible for proactively sourcing, acquiring, expanding, and retaining customer relationships by maximizing sales opportunities in an assigned Area, growing and retaining a book of business, and ensuring a world-class customer experience for all current and prospective clients. Individuals in this role are subject matter experts on Deposit, Credit, and Cash Management products and support their assigned area branches end to end.

• Lead as the subject matter expert across a broad sales area of assigned branches, which comprise branch stakeholders and other area partners (e.g., Wealth Management, Mortgage).
• Partner with cross‑retail segment area peers spanning Wealth Management, Consumer, and Mortgage and initiate collaboration to optimize relationships to execute the sales plan.
• Accountable for scorecard metrics and KPIs as defined by senior management.
• Support the development of small business knowledge and skills in the assigned branch area team through joint sales activities, ongoing training, and referral opportunities.
• Call on your assigned book of high‑valued clients to deepen the relationship and retain their business, while owning, responding to, and proactively uncovering future needs, roadblocks, or risks to help the business achieve its goals.
• Educate and introduce clients to appropriate products and services that fit their needs and grow both balance and revenue of the portfolio.
• Manage credit requests up to $250K and work closely with senior business bankers on lending relationships over $250K.
• Develop and execute an integrated and comprehensive sales plan to achieve scorecard results, drive acquisition of new-to‑bank clients, and target industry/sector opportunities across the designated territory.
• Adhere to sales management routines, practices, and protocols for business banking to ensure compliance with all policies and procedures.
• Proactively manage a portfolio of assigned high‑value clients, expand relationships, and ensure customer satisfaction and retention.
• Foster teamwork and business banking knowledge in all assigned branches to ensure a positive customer experience and be accountable to client service scores.
• Collaborate with consumer and wealth business partners to deepen client relationships.
• Work closely with the credit/risk team and branches to facilitate loan closings, including pipeline management, loan escalations/appeals and advocacy, application quality, and pricing issues.
• Strictly adhere to internal control policies such as account opening and credit protocols, accurate collection, completion, and updating of all required documentation.
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm’s reputation and safeguarding Citi, its clients, and assets by driving compliance with applicable laws, rules, and regulations, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.

• 5–8 years of experience, preferably 2–5 years in banking or 2–3 years in business banking.
• Exceptional consulting skills; ability to probe, listen, clarify, and present information to advance sales transactions and deepen relationships.
• Demonstrated analytical skills and ability to assimilate complex financial and operational information.
• Professional presentation skills.
• Strong working knowledge of credit structuring and processing; credit trained preferred.
• Highly effective communication and influence skills.
• Customer‑oriented and responsive.
• Superior organizational skills.
• Excellent business development skills.
• This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities, to maintain and renew that registration annually, to update registration information with the Registry in a timely manner, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Bachelor’s/University degree or equivalent…