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Fulton Bank · 6 days ago

Commercial Relationship Manager

Mount Laurel, NJ

Full-time

Hybrid

Mid, Senior Level

$111K/yr - $185K/yr

6+ years exp

Fulton Bank is committed to making a positive impact in local communities and champions a culture of continuous learning and inclusion. They are seeking a Commercial Relationship Manager to contribute to the profitability and growth of their commercial banking by managing client relationships and identifying financial service opportunities.

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

Build knowledge of diverse types of businesses, industries, markets, financial and economic concepts

Cultivate relationships network of strategic partnerships across the region

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

Carries out a variety of business development activities to identify bank prospects

Maintain a stable network of prospective customers with consistent approach to calling

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

Understand and contribute to the credit decisioning process, including analysis and interpretation of financial statements

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

Qualification

Commercial CreditCommercial BankingRelationship ManagementRisk ManagementFinancial AnalysisNegotiation SkillsSelf-directedCommunicationOrganizational SkillsClient Focus

Required

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

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

2 or more years managing a large complex portfolio of clients

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

Demonstrated ability to anticipate clients' issues, own problems on clients' behalf, and follow through with commitments

Understands 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

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