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Fulton Bank · 31 minutes ago

Senior Commercial Relationship Manager

Delaware, United States

Full-time

Onsite

Senior Level, Lead/Staff

$139K/yr - $232K/yr

9+ years exp

Fulton Bank is committed to making a positive impact in local communities through its dedicated employees. They are seeking a Senior Commercial Relationship Manager to contribute to the profitability and growth of the bank's commercial banking by managing relationships with businesses and identifying financial service opportunities. The role involves building client relationships, coordinating financial products, and achieving sales goals while ensuring compliance and risk management.

BankingFinancial Services

No H1B

Responsibilities

Identify, source and develop prospective customers with lending, deposit and other financial service needs. Share the Fulton story and showcase the bank’s products, services, and employees. Identify new loan, deposit and other financial service opportunities within existing client base during regular client meetings

Source opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing

Remain close to customer and cooperatively counsel them to support business goals. Understand client’s business model and cash flow. Serve as their primary contact for banking needs. Provide annual relationship reviews to understand client’s needs and future plans in order to identify appropriate loan, deposit or other financial service opportunities

Use knowledge of business, finance, banking, credit, and risk management to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio

Leverage knowledge of diverse types of businesses, industries, markets, financial and economic concepts, as well as creative marketing techniques, utilizing Fulton resources and materials to develop business network and prospects

Sustain long term relationships with a vast network of strategic partnerships across the region

Increase comprehensive understanding of current commercial products offered in the market and keep informed of all relevant industry trends and practices

Lead community events and expand involvement in community affairs and other centers of influence to promote the bank’s image

Focus on driving continual improvement in portfolio revenue growth and new production revenue. Achieve and surpass established sales goals within risk tolerance constraints

Foster a collaborative team approach with Fulton Partners and Retail Relationship Managers to enhance client relationships. Exemplify the delivery of a superior customer experience. Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Leadership

Keep sales platform consistently updated and uses the platform for client and opportunity coordination. Remain current on new tools that improve efficiency

Ensure credit review and risk rating practices are continuous, complete and accurate. Gather and review all required financial and related company, industry, management data to monitor ongoing credit worthiness and risk rating accuracy. Monitor management reports to address line reaffirmations, loan maturities, delinquencies, and exceptions

Contribute to the credit decisioning process, including analysis and interpretation of financial statements, credit structuring, underwriting requirements, policy knowledge, risk identification and mitigation

Establish action plans for troubled credits and/or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank’s investment

Complete timely resolution to loan documentation and technical exceptions. Stay compliant with all regulatory and bank risk compliance matters

Provides mentoring and guidance to less seasoned Commercial Bankers

Qualification

Commercial CreditCommercial BankingFinancial AnalysisRisk ManagementBusiness DevelopmentClient Relationship ManagementNegotiation SkillsOrganizational SkillsVerbal CommunicationWritten CommunicationTeam Collaboration

Required

Bachelor Degree or the equivalent experience. Specialty: business management, finance, accounting or similar

9 or more years Commercial Credit, Commercial banking, Consumer, or Small Business experience

Commercial Credit/Commercial Banking experience

4 or more years managing a large complex portfolio of clients

Knowledge of diverse types of businesses, industries, markets, financial and economic concepts

Proven results in establishing new business relationships and retaining/growing existing business relationships

Self-directed ability using sound judgment and to navigate ambiguity to get things done

Proven success in leading strategic initiatives with ability to lead cross-functional teams, using advanced financial analysis skills

Strong command of credit and risk principles, mitigates, and banking policies/procedures

Excellent negotiation skills, demonstrated ability to influence others to achieve desired outcomes and leveraging technology to interact with clients effectively and efficiently

Excellent verbal and written communication skills demonstrated with individuals at all levels, internally and externally

Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines

Ability to balance needs of clients with associated risks and interests of the company