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WSFS Bank · 1 day ago

Business Banking Portfolio Relationship Manager

Wilmington, DE

Full-time

Onsite

Mid, Senior Level

$91K/yr - $149K/yr

5+ years exp

WSFS Bank is a locally headquartered bank and wealth management company committed to empowering its associates and supporting communities. The Business Banking Portfolio Relationship Manager is responsible for managing and expanding relationships within an existing Business Banking loan portfolio, providing expert financial advice and holistic banking solutions to business clients.

BankingFinanceFinancial Services

Responsibilities

Serve as primary relationship manager, deepening client relationships through consistent engagement and providing exceptional client service, proactively addressing client concerns to enhance banking experience

Utilize Salesforce to document activity, manage opportunities, and maintain pipeline visibility

Actively identify and pursue business opportunities through engaging relationship managing activities

Conduct client calls and meetings to assess their financial needs, challenges, and opportunities, tailoring banking solutions to meet their goals

Provide consultative outreach on the existing loan portfolio to cross sell Bank solutions and services

Travel within the bank’s footprint to visit clients and deepen relationships as needed

Execute portfolio sales and retention strategy focused on preserving balances and increasing wallet share

Partner with ROMs supporting loan relationships of $250,000 and below to provide guidance, mentorship, and support on portfolio management, client conversations, and relationship deepening strategies

Collaborate with branch teams to optimize portfolio performance, enhance client experience, and ensure consistent coverage and service standards

Support smooth onboarding of newly booked clients into the portfolio

Monitor portfolio performance metrics including retention and cross-sell penetration

Develop deep understanding of client operations, cash flow, business, and personal financial goals

Identify and execute opportunities for relationship expansion across business and personal banking

Conduct proactive, needs-based outreach using Salesforce, e.g., annual reviews and lifecycle touchpoints

Manage active loan portfolio, ensuring compliance with loan terms, polices, and regulatory requirements

Conduct portfolio reviews, identify risks, monitor payment trends, and address signs of potential issues

Assist in evolving the portfolio sales process to include frequency and types of Client contacts focused on deepening existing relationships

Partner closely with Portfolio Servicing and Operations teams to proactively address loan maintenance, servicing requests, documentation updates, modifications, and client inquiries across the portfolio

Function as the relationship quarterback on servicing-related matters, ensuring timely resolution, clear communication, and a seamless client experience

Analyze borrower financial statements, credit history, and collateral to assess ongoing risk

Perform comprehensive financial analysis, including review of financial statements, credit reports, and cash flow projections, to determine creditworthiness

Develop and Negotiate Loan terms and recommend loan structures, repayment schedules, and collateral requirements in alignment with client needs and the bank’s credit policies

Qualification

Business lending experienceFinancial statement analysisSalesforce proficiencyCross-selling bank solutionsClient experience skillsConsultative sellingCommunication skillsOrganizational skillsSelf-motivated

Required

Bachelor's degree in business or finance preferred, or equivalent experience demonstrated through a combination of the following: work and military experience, and education/training

5+ years of business lending experience in the financial industry with a proven history of managing relationships, developing business, sustaining production, and ability to perform multiple goal categories

Prior experience cross-selling bank solutions and services to existing loan customers

Understanding of business lending credit fundamentals, including financial statement analysis

Experience presenting clear, well-supported loan requests to underwriting partners

Proficiency with Salesforce, nCino, or similar CRM and loan origination systems

Superior Client experience skills, communication skills, and consultative selling as a Trusted Advisor

Must be highly organized, self-motivated, and comfortable managing a large portfolio independently