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WesBanco · 1 month ago

Business Banking Relationship Manager - Toledo Market

Oregon, OH, 43616, United States

Full-time

Onsite

Entry, Mid Level

2+ years exp

WesBanco is a financial institution seeking a Business Banking Relationship Manager for the Toledo Market. The role involves managing lending and deposit relationships with small business customers, developing new business opportunities, and ensuring client satisfaction through effective financial solutions and community engagement.

BankingFinanceFinancial Services

Growth Opportunities

Responsibilities

Practices the standards of the Better Banking Pledge and Service & Support Pledge

Manages lending and deposit relationships with small business customers

Becomes fluent in Business Banking Cash Flow behaviors, practices and needs to best identify client solutions including deposits, loans and fee income opportunities

Serves as primary contact for Business Banking clients and prospects within identified branch network, meeting all required follow up tasks in timely manner

Continually monitors performance against set production goals and adjusts priorities as needed to meet those goals

Drives customer understanding and adoption of digital banking and treasury management services to accelerate cash flow conversion cycle and reduce risk

Serves as Digital Banking Champion for Business Clients and Prospects to ensure adoption and understanding of available tools

Ongoing support of the bank's sales culture

Originates, develops and maintains relationships with business customers for both lending and depository accounts, through direct and ongoing sales calls and referrals

Drives partner and in-branch relationships to foster culture of needs identification and referrals

Actively coaches branch management staff on Business Banking opportunities and related products

Maintains and effectively manages individual business portfolios in all respects (i.e., financial and documentation exceptions, reviews, and collection activities in support of centralized collection and/or assigned collection activities)

Partners closely with Commercial Banking, Private Banking and other lines of business to ensure customer needs are met, actively referring relationships to partners when appropriate

Works closely with assigned Retail and assigned Branch banking small business personnel to train and develops relationships that encourages referrals and builds a strong partnership; develops non-traditional partners to meet common goals

Gathers all necessary financial information needed to submit complete applications to centralized lending and then works with the Business Banking Support department to obtain approval or denial of credit request; manages closing process to ensure complete documentation and booking of loan

Works closely with the Special Asset Unit and Commercial Collections in the collection of past due loans and workout of problem credits, as needed

Analyzes financial statements and customer profiles to support the needs of existing and new potential customers

Conducts sufficient financial analysis of proposed transactions and requests from lending customers so as to sufficiently screen those transactions presented for credit analysis and approval for probability of success

Work with the Business Banking Support and Credit Analyst group to effectively and efficiently manage the credit analysis and decision submission process for those transactions and customer relationships

Responsible for the prompt delivery of all credit decisions as well as negotiating structure issues with clients

Provides loan structures to meet customer needs and ensures appropriate documentation exists in order to adequately protect the bank

Actively participates in community and civic organizations to establish and maintain portfolio of Centers of Influence to originate new business opportunities

Follows up on all internal and external customer referrals

Actively supports all internal business units by providing quality referrals through development of community and business relationships

Adopts and adheres to strong Risk Management culture through in-depth knowledge of client behaviors and relationships to mitigate bank and client losses

Assist with the coordination of CRA lending initiatives within the corporate lending department

Other duties and special projects as may be assigned

Qualification

Small business bankingRetail sales experienceFinancial analysisDigital bankingMicrosoft OfficeLeadership skillsEffective communicationOrganizational skillsProblem-solvingInterpersonal skills

Required

Bachelor's degree preferred or a minimum of four years of sales experience or equivalent combination of education and experience required

Minimum of two years of retail sales or small business banking experience required

Professional demeanor in appearance, interpersonal relations, work ethic and attitude

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to bank employees and bank customers

Ability to interact effectively across all levels of the organization, including senior management and other departments

Willingness to provide a level of service which will clearly differentiate us from our competitors

Ability to coordinate and manage multiple tasks in various stages

Ability to define problems, collect data, establish facts, draw conclusions and solve problems

Effective organizational skills with attention to detail

Ability to work under pressure

Able to work independently and meet communicated deadlines

Capable of handling research and special projects

Travel – Majority of weekly travel will be within market and branches assigned

Flexibility to travel occasionally within WesBanco footprint

Ability to effectively use technological resources for meetings, coaching, and training

Proficient with Microsoft Office, including Word, Excel and Outlook 365