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WesBanco · 1 month ago

Business Banking Relationship Manager - Toledo Market

Sylvania, OH

Full-time

Hybrid

Entry, Mid Level

2+ years exp

WesBanco is a financial institution seeking a Business Banking Relationship Manager for the Toledo Market. This role is responsible for managing small business relationships, understanding their banking needs, and driving sales through direct engagement and collaboration with branch personnel.

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 bankingSales experienceFinancial analysisMicrosoft OfficeCustomer serviceLeadership skillsEffective communicationOrganizational skillsProblem-solving