This job has expired, please see additional jobs below
Relationship Manager
Associated Bank
Milwaukee, WI, United States
Job Details - this job has expired, please see similar jobs below
Description
Equal Opportunity Employer
Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email: colleaguecare@AssociatedBank.com or call: (800) 878-3282.
JOB SUMMARY
Under moderate supervision, manage and develop a portfolio of commercial relationships and ensure retention of total client assets and net growth in relationships. The Relationship Manager will work closely with internal partners to facilitate the development of new business relationships as well as develop prospects through COIs and other proactive measures. The Relationship Manager will play a vital role in the growth and development of the commercial banking portfolio and market share. Primary focus will be to profile and work collaboratively with internal partners to sell/cross-sell commercial products to our existing client base, as well as to prospects. The Relationship Manager will build deposits, loans, fee income and refer appropriate customers and prospects to all applicable cross-sell partners, including Commercial Deposits & Treasury Management (CDTM), Capital Markets, Private Banking, Private Client and Institutional Services, Associated Financial Group, Employee Benefit Services, Retail Bank-at-work, etc.).
KEY RESULT AREAS
New business development
Loan growth
Fee Income Growth
Cross-Sell
Asset Quality
Community Involvement
Collaboration
Communication
Risk Management
Negotiation and Influence
Growth in Net Income After Tax
Growth in RAROC
Relationship management
Retention of client portfolio
Loan and deposit spreads
JOB ACCOUNTABILITIES
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established Associated Banc-Corp credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• Responsible for loan and deposit growth through client portfolio, centers of influence and other proactive measures to grow market share, as well as retain / grow existing portfolio. Client and prospect calling activity consists of telephone, in person calling and working collaboratively with internal partners.
• The Relationship Manager is to develop commercial banking relationships by profiling and analyzing financial data, along with the Portfolio Manager, to determine the merits of specific loan requests and recommend structure.
• The position is responsible for working collaboratively with internal partners to cross sell all bank products and services, especially non-borrowing services, including Commercial Deposit & Treasury Management (CDTM), Capital Markets, Private Banking, Private Client & Institutional Services, Associated Financial Group, Employee Benefit Services, Retail Bank-at-work, etc., to our existing client base and to prospective customers.
• Make presentations on specific loans and participate in the bank’s loan approval process, recommending approval and appropriate structure of credits, along with the Portfolio Manager.
• Provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the business environment and general banking trends though bank approved sources.
• Participate in community and business functions/groups to ensure a positive image for the bank. Establish referral contacts within the community. Serve on community, corporate or not-for-profit boards, as applicable.
• Identify needs and refer customers to partners within and across lines of business who can best meet those needs.
QUALIFICATIONS:
Required Education: Bachelor's Degree Business, Finance or Accounting or related discipline or equivalent related experience
Preferred Education: Master's Degree Business, Finance or Accounting or related discipline or equivalent related experience
Required Experience: Less than 2 years Commercial banking or business to business sales experience. Strong business development skills, strong credit skills, strong knowledge of non-borrowing products, past track records of sales and client management success.
Special Skill Requirements:
Proven analytical and financial analysis skills
Excellent verbal, written and interpersonal communication skills
Strong operational skills
Strong negotiation skills
Superior credit and risk management skills
Superior business development, marketing and presentation skills and experience
Collaborative and highly coachable
Thorough understanding of macro and micro economic issues, as they apply to banking
Thorough understanding of risks (market, rate, leverage, etc.) as it applies to the lending/borrowing process
Computer literate in Microsoft Office products and the ability to quickly learn new software/systems
Other Duties and Responsibilities
Performs other duties as assigned.
Job Requirements
Adherence to Company policy and procedures is required.
Perform duties in accordance with the Vision & Values of Associated Banc-Corp.
Regular attendance is required.
Basic math and reading skills, and attention to detail.
Use of basic office equipment (e.g., photocopier, voice mail, "fax" machine, calculator, multiple line telephones, typewriter, computers etc.).
Represent the organization in a professional and positive manner.
Maintain credit exception approval percentages within corporate approved guidelines