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Relationship Manager Senior
Associated Bank
Milwaukee, WI, United States
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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 limited 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 Deposit & Treasury Management (CDTM), Capital Markets, Private Banking, Private Client and Institutional Services, Associated Financial Group, Employee Benefit Services, Retail Bank-at-work, etc.
Responsible for expanding and deepening customer relationships by identifying customers’ needs comprehensively and matching their needs with selections and resources within the colleague’s assigned business line and across all business lines of Associated Bank.
As a valued colleague of Associated Bank you play a critical role in delivering an exceptional customer experience during every interaction. Expectations for this position require the ongoing focus on building solid and long lasting relationships by engaging all customers in a positive manner. Colleagues should provide customers a positive experience that includes undivided attention, straightforward and knowledgeable service and ensure that the customer’s best interests are our number one priority. Consistency around customer experience guidelines is key and expected from all of our colleagues. Our goal is to simplify the customer experience and deliver outstanding service to every customer, every time.
Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering requirements. Responsible to report any procedure or process that doesn’t meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be done directly to any member of management, including Human Resources or Corporate Security, or can be reported through Associated’s anonymous Ethics Hotline.
KEY RESULT AREAS
New business development
Loan growth
Fee Income Growth
Cross-Sell
Asset Quality
Community Involvement
Collaboration
Communication
Risk Management
Negotiation and Influence
Other Growth in Net Income After Tax
Other Growth in RAROC
Other Relationship Management
Other Retention in client portfolio
Other 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 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 product and services, especially non-borrowing services, 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., 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 business Select partners within and across lines of business who can best meet those needs.
QUALIFICATIONS:
Required Education: Bachelor's Degree or equivalent combination of education and experience Business, Finance or Accounting or related discipline or equivalent related experience
Preferred Education: Master's Degree or equivalent combination of education and experience Business, Finance or Accounting or related discipline or equivalent related experience
Required Experience: 10-12 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:
Other: Proven analytical and financial analysis skills
Other: Excellent verbal, written and interpersonal communication skills
Other: Strong operational skills
Other: Strong negotiation skills
Other: Superior credit and risk management skills
Other: Superior business development, marketing and presentation skills and experience
Other: Collaborative and highly coachable
Other: Thorough understanding of macro and micro economic issues, as they apply to banking
Other: Thorough understanding of risks (market, rate, leverage, etc.) as it applies to the lending/borrowing process
Other: 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