Commercial Relationship Manager

This is a fully remote position, open to applicants in Michigan.

📋 Description

• Build new and nurture existing client relationships through business development, financial needs assessments, and cross-selling of products and services.

• Expand and maintain a lucrative portfolio comprising loans and deposits to meet individual and market objectives.

• Evaluate personal and financial information to identify client needs.

• Assess prospects by reviewing financial data, creditworthiness, and the merits of loan requests.

• Prepare and manage loan approval processes and underwrite loans to satisfy both borrower and bank requirements.

• Secure necessary credit approvals.

• Propose and negotiate credit terms, including pricing, fees, costs, repayment methods and schedules, as well as collateral prerequisites.

• Oversee the portfolio by monitoring credit quality, overdue and non-performing credits, credit exceptions, and compliance with covenants.

• Represent First Financial Bank in community, civic, and professional organizations.

• Submit loans to the loan committee for approval.

• Counsel clients on financial objectives and recommend comprehensive products, referring them to other business lines as needed.

• Promote banking products and services through client-call preparations, sales meetings, and follow-ups.

• Track and improve the profitability of assigned relationships.

• Engage in corporate sales and service initiatives to develop customer relationships and enhance shareholder value.

⛳️ Requirements

• Bachelor's degree.

• A minimum of three (3) years of demonstrated experience in relationship/account management, selling banking products within the relevant market segment.

• Exceptional interpersonal, written, and verbal communication and presentation skills.

• Strong organizational abilities with the capacity to manage and prioritize multiple tasks.

• Highly developed analytical and problem-solving capabilities.

• Proven ability to generate new business through a consultative sales method.

• Documented experience in sales and negotiation.

• Competency in working effectively with individuals and groups in managing customer relationships.

• Comprehensive knowledge of product offerings.

• Must comply with regulatory requirements set forth by State and Federal laws, including the Bank Secrecy Act, Anti-Money Laundering, OFAC, Suspicious Activity Reporting, and lending and deposit compliance mandates.

• E-Verify Employer.

🏝️ Benefits

• Comprehensive, thoughtful benefits and programs that support the holistic wellbeing of associates.

• Incentive eligibility for all roles, excluding Co-Op, Intern, or Student positions.