Business Banking Relationship Manager

• Manage and grow relationships with small-to-medium-sized businesses with up to $10 million in annual revenues
• Deliver customized financial solutions with total credit exposure of up to $3 million
• Drive business growth by providing expert financial advice and full-service business banking
• Conduct client and prospect meetings to assess their financial needs, challenges, and opportunities
• Perform comprehensive financial analysis, including review of financial statements, credit reports, and cash flow projections
• 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
• Serve as the primary relationship manager, deepening client relationships through consistent engagement and cross-selling of banking solutions
• Mentor and coach junior relationship managers

• Bachelor’s degree in business or finance preferred, or equivalent experience demonstrated through a combination of the following: work and military experience, and education/training.
• Experienced Business Lender with 7+ years of new business development experience and direct sourcing and prospecting new clients.
• Minimum 7 years of business lending experience in the financial industry along with a proven history of managing relationships, developing new business, sustaining consistent production, and ability to perform in multiple goal categories.
• Demonstrated proficiency in working with key internal resources.
• Must have experience with utilizing a CRM system to manage and monitor progress in sales pipeline toward converting prospects to customers.
• Must have strong knowledge of business lending, consumer lending, and deposit products.
• Must have credit experience, loan structuring, and financial statement analysis.
• Must have 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 is required.
• Knowledge of the Bank Secrecy Act and Anti-Money Laundering policies, procedures, and related programs.
• Must be presently authorized to work for any employer in the United States and who will not require work visa sponsorship from WSFS Bank now or in the future in order to retain their authorization to work in the United States.

Demonstrates expertise in business lending, financial analysis, and relationship management, with a strong focus on delivering customized financial solutions and ensuring compliance with regulatory requirements. Proven ability to mentor junior staff and drive business growth through effective client engagement and cross-selling strategies.

• Business Lending Experience
• Financial Statement Analysis
• CRM System Proficiency
• Loan Structuring
• Regulatory Compliance Knowledge

• Financial Analysis
• Credit Experience
• Loan Negotiation
• Cash Flow Projections
• Business Development
• Client Relationship Management
• Deposit Products Knowledge
• Prospecting New Clients
• Financial Needs Assessment Loan Portfolio Management

• Mentoring
• Coaching
• Communication
• Negotiation
• Engagement

• Bank Secrecy Act
• Anti-Money Laundering
• Regulatory Guidelines
• Financial Industry
• Small-to-Medium-Sized Businesses