Business Banking Relationship Manager- Market

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Zanesville, OH, US

3 days ago Requisition

Summary:

The Business Banking Relationship Manager is responsible for developing and managing relationships with business clients by providing loan and deposit products, cash management services, payment solutions, and a broad range of commercial lending products to meet clients' financing and capital needs. This position actively solicits new business relationships within the community, grows existing customer relationships, and serves as a trusted financial advisor while identifying opportunities for referrals to Community Financial Advisors.

Promotes the Bank's products and services, maintains a high-quality loan portfolio, supports market growth initiatives, and serves as a positive ambassador of the Bank throughout the communities it serves.

Essential Duties and Responsibilities: include the following. Other duties may be assigned.

• Prospects in and out of the office to bring in new business customers, and develop and work centers of influence to expand the customer base.
• Build and maintain a network of centers of influence including attorneys, accountants, real estate professionals, and other referral sources to expand the customer base.
• Develop and grow deposit, treasury management, payment solutions, and lending relationships within assigned markets.
• Assist Central Market Leader with production, business development functions, (Deposit and Loans) within Market Areas.
• Structures and completes various documents and software used in the lending process.
• Builds and maintains relationships with community and civic groups and represents Bank at related events.
• Develop, prepare and present professional and customized loan and deposit proposals for new and current customers.
• Develop strong customer relationships in order to generate a high volume of prospective customers and referrals to associates.
• Reviews loan requests in a thorough and timely manner, and present recommendation for approval or denial of requests in a format consistent with Bank policy and regulatory guidelines.
• Works with existing book of business customers to ensure business and personal cross-sell, capture of entire relationship, and improved customer retention, to increase Bank balance and revenue growth.
• Manages loan portfolio credit quality and maintains low delinquency consistent with Bank guidelines.
• Monitors loans booked to maintain compliance with loan agreement and Bank policy.
• Utilize systems to record and track sales activity, evaluates results of business banking activity regularly and reports monthly results to Central Market Leader (Deposits and Loans), or as needed or directed.
• Identify opportunities and make referrals to Community Financial Advisors and other bank specialists as appropriate.
• Assist in growing business deposits throughout the Bank's market footprint, with a particular focus on strategic growth initiatives and market expansion.
• Assist Financial Services Officer, as directed by Central Market Leader, with all cash management services, to include but not limited to, new accounts, account maintenance, research.
• Assist Financial Services Officer, as directed by Central Market Leader, with deposit proposals for private or public funds.
• Analyze financial information, collateral, repayment capacity, and credit risk.
• Present recommendations for loan approval or denial consistent with Bank policies, procedures, and regulatory guidelines.
• Assist customers throughout the business lending process, including loan structure, documentation, and closing.
• Support portfolio growth through prudent underwriting and relationship management.
• Manage assigned loan portfolio to maintain strong credit quality and acceptable risk levels.
• Monitor loans to ensure ongoing compliance with loan agreements, Bank policies, and regulatory requirements.
• Maintain delinquency and credit quality metrics within established Bank guidelines.
• Conduct periodic customer reviews and relationship assessments.
• Respond to customer inquiries regarding business loans, deposit relationships, and related banking services.
• Provide recommendations regarding product enhancements, service improvements, and new business development opportunities.
• Identify underperforming products and services and recommend upgrades, modifications, or discontinuation when…