Senior Commercial Relationship Manager

🕒 2 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

• Develop new and expand existing client relationships through business development, financial-needs reviews, and cross-selling • Grow and maintain a profitable book of business consisting of loans and deposits • Analyze clients’ personal and financial data to understand their needs • Qualify prospects by analyzing financial data and creditworthiness • Prepare and oversee loan approval requirements and underwriting • Obtain appropriate credit approvals • Recommend and negotiate credit terms, pricing, fees, repayment schedules, and collateral requirements • Manage the portfolio by monitoring credit quality, past-due credits, non-performing credits, covenant compliance, and credit exceptions • Represent First Financial Bank in community, civic, and professional organizations • Refer loans to the loan committee for approval • Provide credible financial advice and recommend products aligned with clients’ holistic needs • Understand clients’ business priorities and refer them to other lines of business • 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 initiatives supporting strategic priorities • Comply with bank, loan, regulatory, Bank Secrecy Act, Anti-Money Laundering, OFAC, suspicious activity reporting, lending, and deposit requirements

🎯 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 mindset • Ability to work effectively with individuals and groups in managing customer relationships • Strong product knowledge • Credit training, credit quality, underwriting experience, and financial analysis experience • Preferred: experience working in Capital Markets and/or the Middle Market space ($75MM+) • Preferred: experience in Structured Finance, Asset Based Lending (ABL), ESOP, and/or leading syndicated transactions • Must comply with applicable state and federal laws, regulations, and First Financial Bank policies and procedures • E-Verify employment eligibility requirements apply

🏖️ Benefits

• Benefits and programs supporting associates’ holistic wellbeing • Incentive eligibility; all roles are incentive eligible except Co-Op, Intern, or Student positions • Training and development opportunities are referenced under “Development and Training”