Senior Commercial Relationship Manager

🕒 4 days ago

🚗 Michigan – Remote

🚗 Michigan – Remote

💵 $130k - $210k / year

⏰ Full Time

🟠 Senior

💰 Account Manager

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First Financial Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1870

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

First Financial Bank is a financial institution offering a wide range of banking services to both individual and business clients. The bank provides personal and business checking accounts, savings accounts, credit cards, and a variety of loans including mortgage, auto, and personal loans. It also offers investment and retirement services such as financial planning, investment solutions, brokerage services, and trust administration. First Financial Bank supports community development through lending and investments, and offers comprehensive online banking services for both personal and small business customers. The bank is committed to community reinvestment and offers a variety of educational resources through its First Financial Foundation.

📋 Description

• Manage multi-faceted relationships with prospective and existing clients to generate loans, deposits, and fees • Determine credit eligibility and prepare loan narratives • Market banking products and services through client preparation, sales calls, and follow-up • Monitor and enhance profitability across assigned relationships • Develop and expand client relationships through business development and cross-selling • Grow and maintain a profitable book of loans and deposits • Analyze personal and financial data to assess client needs and creditworthiness • Prepare and oversee loan approval requirements and underwriting • Obtain credit approvals and negotiate pricing, fees, repayment terms, and collateral requirements • Manage the portfolio, monitoring 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 loan committee for approval • Advise clients on financial goals and recommend suitable products • Refer clients to other lines of business as appropriate • Collaborate with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams, and senior management • Participate in bank marketing and sales promotions and support strategic initiatives • Comply with bank, lending, regulatory, and compliance policies

🎯 Requirements

• Bachelor’s degree • Ten (10) years of proven relationship/account management experience selling banking products in the appropriate segmentation • Excellent interpersonal, written, verbal communication, and presentation skills • Excellent organizational skills and ability to handle and prioritize multiple tasks • Well-developed analytical and problem-solving skills • Ability to generate new business through a consultative sales approach • Demonstrated sales and negotiating experience • Marketing-oriented • Ability to work effectively with individuals and groups in managing customer relationships • Well versed in product knowledge • Credit training, credit quality, and underwriting experience, including financial analysis • Preferred: demonstrated experience working in Capital Markets and/or Middle Market space ($75MM+) • Preferred: experience in Structured Finance, Asset Based Lending (ABL), ESOP, and/or leading syndicated transactions • Ability to work with limited supervision • Ability to collaborate with senior managers and leaders across the organization • Compliance with applicable State and Federal laws, regulations, and First Financial Bank policies, including Bank Secrecy Act, Anti-Money Laundering, OFAC, Suspicious Activity reporting, lending, and deposit compliance requirements

🏖️ Benefits

• Benefits and programs supporting associates' holistic wellbeing • Incentive eligibility; all roles are incentive eligible except Co-Op, Intern, or Student positions