Senior Commercial Relationship Manager

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

📋 Description

• Oversee diverse relationships with both prospective and current clients to drive the generation of loans, deposits, and fees.

• Assess credit eligibility and create comprehensive loan narratives.

• Promote banking products and services through client preparation, sales calls, and follow-ups.

• Monitor and improve profitability across assigned client relationships.

• Cultivate and enhance client relationships through business development and cross-selling initiatives.

• Expand and sustain a profitable portfolio of loans and deposits.

• Evaluate personal and financial data to determine client needs and creditworthiness.

• Prepare and manage loan approval requirements and underwriting processes.

• Secure credit approvals and negotiate pricing, fees, repayment terms, and collateral requirements.

• Manage the portfolio by overseeing credit quality, past-due and non-performing credits, covenant compliance, and exceptions.

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

• Refer loans to the loan committee for approval.

• Provide clients with advice on financial objectives and recommend appropriate products.

• Direct clients to other business lines when suitable.

• Collaborate with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing, Documentation teams, and senior management.

• Engage in bank marketing and sales promotions while supporting strategic initiatives.

• Adhere to bank, lending, regulatory, and compliance policies.

⛳️ Requirements

• Bachelor’s degree.

• A minimum of ten (10) years of demonstrated relationship/account management experience in selling banking products within the appropriate segmentation.

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

• Strong organizational capabilities and the ability to manage and prioritize multiple tasks.

• Well-developed analytical and problem-solving skills.

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

• Demonstrated experience in sales and negotiations.

• Marketing-focused.

• Proficient in working effectively with individuals and groups to manage customer relationships.

• Thorough knowledge of banking products.

• Experience in credit training, credit quality, and underwriting, including financial analysis.

• Preferred: experience in Capital Markets and/or Middle Market space ($75MM+).

• Preferred: background in Structured Finance, Asset Based Lending (ABL), ESOP, and/or leading syndicated transactions.

• Ability to work with minimal supervision.

• Capacity to collaborate with senior managers and leaders throughout the organization.

• Compliance with relevant State and Federal laws, regulations, and First Financial Bank policies, including the Bank Secrecy Act, Anti-Money Laundering, OFAC, Suspicious Activity reporting, lending, and deposit compliance requirements.

🏝️ Benefits

• Comprehensive benefits and programs aimed at supporting associates' overall wellbeing.

• Eligibility for incentives; all roles qualify for incentive programs except Co-Op, Intern, or Student positions.