Senior Commercial Relationship Manager (Dayton / Northern OH)
First Financial Bank

Job Info

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We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

If you are interested and qualified for this role, we invite you to apply.

The Relationship Manager ("RM") will handle multi-faceted relationships as you call on prospective and existing clients to generate loans, deposits, and fees for a geographic area. You will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products. Your responsibilities include marketing products and services, including preparing for client calls, making sales calls, and call follow-up as well as monitoring and enhancing profitability on all assigned relationships. The Relationship Manager participates in the achievement of corporate sales and service goals to build customer (external/internal) relationships and enhance shareholder value.

Essential Functions/Responsibilities

• The Senior RM position will generally be located in a market hub or other high business potential area.
• Develops new and expands existing client relationships by initiating in business development activities, proactively reviewing client's current and changing financial needs, and promoting products and services.
• Aggressively grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develop a comprehensive understanding of client's needs based on the review and analysis of personal and financial data. Analyzes personal and financial data to deepen current, profitable client relationships.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares or oversees the completion of the loan approval form including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration.
• Recommends and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for the credit quality which includes past due credits, non performing and credit exceptions of their active portfolio.
• Actively participates and represents First Financial Bank in various community, civic and professional organizations.
• Monitors the performance of the borrower over the life of the loan. Be able to recognize developing problems and bringing them to the attention of management. For troubled credits, assist in developing a strategy to return the credit to a pass rating or exit strategy.
• Well versed in FFB product knowledge.
• Highly capable of understanding clients' financial goals, provide credible advice and recommend products that fit their holistic needs.
• Intimately understand clients' business priorities and refer them to other lines of business as appropriate.
• Generally handles 20-40 relationships with aggregate exposure between $4M and $15M and portfolios between $40M and $75M.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Bachelor's degree.
• 5+ years of proven relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Generating new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Credit training, credit quality and underwriting fundamentals experience; including financial analysis required.

Preferred Knowledge and Skills

Level of Complexity and Scope

Degree of Independence and Decision-Making

Required Supervisory Responsibilities

Physical Requirements

• Occasionally lifts and carries up to 50 lbs.
• Frequently lifts and carries up to 10 lbs.
• Frequently sits, stands, walks and drives.

Compliance Statement

• The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.
  

Development and Training

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

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