Area Accountant
Republic Services
Senior Relationship Manager, Community Commercial Real Estate
EEOC
full-time
Posted on:
Origin: • 🇺🇸 United States • Pennsylvania
Visit company websiteSalary
💰 $139,300 - $232,200 per year
Job Level
Senior
About the role
- This is a onsite career opportunity with a Fulton Bank work location TBD in the Greater Philadelphia, PA area and/or NJ market.
- Contribute to the profitability and growth of Fulton's commercial banking by building, developing and managing new and existing Community Commercial Real Estate client relationships.
- Coordinate loan, deposit and fee income products and services appropriate to the needs of the client.
- Seek opportunities to network and develop key centers of influence.
- Identify and successfully capitalize on cross-sell opportunities with bank partners.
- Achieve and surpass established sales goals within risk tolerance constraints.
- Assumes responsibility for highly complex activity for commercial banking.
- 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.
- 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.
- Requires business knowledge of Commercial Real Estate.
Requirements
- Bachelor's Degree or the equivalent experience. Specialty: business management, finance, accounting or similar. (Required)
- 9 or more years Commercial Credit, Commercial banking, and Commercial Real Estate Relationship Management experience. (Required)
- 4 or more years managing a large and Commercial Real Estate complex portfolio of clients. (Required)
- Knowledge of diverse types of businesses, industries, markets, financial and economic concepts. (Required)
- Proven results in establishing new business relationships and retaining/growing existing business relationships. (Required)
- Self-directed ability using sound judgment and to navigate ambiguity to get things done. (Required)
- Proven success in leading strategic initiatives with ability to lead cross-functional teams, using advanced financial analysis skills. (Required)
- Strong command of credit and risk principles, mitigates, and banking policies/procedures. (Required)
- Excellent negotiation skills, demonstrated ability to influence others to achieve desired outcomes and leveraging technology to interact with clients effectively and efficiently. (Required)
- Excellent verbal and written communication skills demonstrated with individuals at all levels, internally and externally. (Required)
- Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines. (Required)
- Ability to balance needs of clients with associated risks and interests of the company. (Required)
- Sponsorship Statement: As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.
