Business Banking Virtual Relationship Manager - Altoona, PA

Overview

This role manages an assigned portfolio of loan and deposit relationships with small business clients through virtual channels. Responsibilities include soliciting new business using a sales strategy that leverages digital resources and technologies, making risk and credit decisions, and servicing existing clients in assigned geographies through the organization’s relationship management program. The position also partners with branch teams to sell to business customers and cross-sell other banking products.

Responsibilities

• Develop new banking relationships with business prospects and service existing business banking clients through remote activities.
• Work with branch partners to maximize sales efforts to business customers, and cross-sell other products and services offered by the bank.
• Network with centers of influence (e.g., accountants, attorneys, and other referral sources) to develop business.
• Evaluate credit information and requests, and recommend appropriate loan structures to manage risk.
• Negotiate effectively with underwriters and clients to maximize revenue and minimize risk.
• Oversee approximately 15 to 40 relationship managed clients.
• Participate in business banking and retail sales sprints; achieve call targets and other product sales goals (including cash management, visa merchant, and others as assigned).
• Participate in civic and cultural organizations and programs.
• Utilize prescribed selling techniques to maximize sales opportunities.
• Adhere to applicable compliance and operational risk controls in accordance with company or regulatory standards and policies.
• Maintain internal control standards, including timely implementation of internal and external audit points and resolution of issues raised by external regulators as applicable.
• Complete other related duties as assigned.

Requirements

• Bachelor’s degree and two years of relevant sales/credit experience; or, in lieu of a degree, a minimum of 6 years of higher education and/or relevant work experience.
• Sound credit skills necessary to evaluate loan requests.
• Proficiency with virtual meeting platforms and related technology.
• Ability to read and analyze financial statements and tax returns.
• Strong interpersonal and presentation skills.

Preferred Qualifications

• Good understanding of Cash Management, Merchant Service, and Trade Services products offered to Business Banking customers, including the ability to identify sales opportunities for those product sets.
• Knowledge of personal computers and the software utilized by the department.

Compensation & Benefits

• Pay range for this position: $85,800.00 - $143,000.00 Annual (USD)
• The successful candidate’s specific compensation will be informed by their combination of knowledge, skills, and experience.
• The range listed corresponds to the national pay range for this role; the specific pay range applicable to you may vary based on location.

Location

• Clanton, Alabama, United States of America