Business Banking Relationship Manager - Southeastern Wisconsin
Company Name:
Associated Bank-Corp
Title: Business Banking Relationship Manager - Southeastern Wisconsin
Location: Wisconsin-Menomonee Falls
Other Locations:
Equal Opportunity Employer
The employment policy of Associated Banc-Corp, and its subsidiaries and affiliates (Associated) provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.
JOB SUMMARY
Under limited supervision, manage and develop a portfolio of Business Banking 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 lead lists and COIs. The Relationship Manager will play a vital role in the growth and development of the Business banking portfolio and market share. Primary focus will be to profile and sell/cross-sell a variety of bank products to our existing client base, as well as prospects. The Relationship Manager will build deposits, loans, fee income and refer appropriate customers and prospects to Merchant services, Treasury Management, Associated Financial Group, Consumer Banking and Wealth Management.
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 insure 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.
KEY RESULT AREAS
o New Business Development
o Demand and savings deposit growth
o Loan Growth
o Fee income generation (Loans and other services)
o Loan and deposit spreads
o Cross Sales to business customers and new clients at point of sale
o Retention of client portfolio
o Asset Quality
o Community Involvement
JOB ACCOUNTABILITIES
The following are essential job accountabilities:
1. Performs all duties in accordance with the Vision and Values of Associated Banc-Corp.
2. 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.
3. The Relationship Manager is to manage a portfolio of Business Banking relationships to retain and grow the relationships through profiling existing customer's portfolios.
4. Responsible for new loan and deposit growth through client portfolio and centers of influence to grow market share, as well as retain / grow existing portfolio. Client and prospect calling activity consists mainly of managing referrals from existing portfolio and centers of influence.
5. The position is responsible for cross selling all bank, especially non-borrowing services; P&C, Life and Group Health Insurance; Cash Management; and Private Client & Institutional Services, Employee Benefit Services to our existing client base and prospective customers.
6. Collaborate with Consumer Banking and Business Development Officers to ensure efficient flow of banking products and services through mutual referral process, ensuring consumer product referrals are fed to the branch banking channel.
7. Manage transfer of Business Banking client from Business Development Officer to branch Manager or Relationship Manager.
8. Act as contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
9. Manage the renewal process by working the client and the Business Resource Center or other credit department.
10. Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.
11. Make presentations on specific loans and participate in the bank's loan approval process, recommending approval and appropriate structure of credits.
12. 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.
13. Participate in community and business functions/groups to ensure a positive image for the bank within the region's marketplace. Establish referral contacts within the community.
14. Perform other related duties as assigned or requested.
JOB SPECIFICATIONS
Minimum Education: Bachelors degree in Business, Finance, Accounting or equivalent
Minimum
Experience: Relationship Manager II: 5 year's business banking or business to business sales experience
? Strong business development skills/experience
? Past track record of sales and client management success
? Strong credit skills
? Strong knowledge of non-borrowing products
? Complexity - Low to high depending upon level
? Strong organization skill, superior communicator and collaborator and highly coachable.
Min. Field-of-Expertise: Business Banking or Commercial Banking Experience, Credit Training and experience, Non-borrowing and borrowing Product Expertise
Portfolio Management experience
Skills: Administrative:
? In-depth knowledge of non-borrowing products.
? In-depth knowledge of lending policies and procedures
? Understand macro and micro economic issues as they apply to business.
? Thorough understanding of risks (market, rate, leverage, etc) as it applies to the lending process.
? Possess good marketing and presentation skills.
? Strong communication skills - both written and verbal
Skills: Machine: Calculator, auto, telephone, dictation, computer applications (email, word, PowerPoint, excel)
Working Conditions: Occasional bending, reaching, climbing
Physical Demands: Sitting, handling, talking and hearing, must have a valid driver's license
Physical Strength: Sedentary Work: lifting a max of 10 lbs.
Vision Requirements: Accommodation: ability to adjust vision to bring objects into focus.
Analyze: Ability to review and analyze financial data in detail and draw logical conclusions.
Math: Ability to perform complex mathematical calculations, including addition, subtraction, division, multiplication, ratio analysis and variance and sensitivity analysis.
Communicate: Ability to communicate effectively internally with bank staff and externally with clients, prospects and other professionals.
Representation: Ability to represent the organization in a professional and positive manner.
Compliance: Uphold the bank''s philosophy and all policies by maintaining appropriate controls to assure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of our organization.
Contacts: Exchange information with employees, clients, correspondent banks, affiliate banks, credit agencies, references, accountants, and attorneys.
Authorization: Loan authority per the Credit and Loan Administration Policy.
Supervision: Direct = Varies Indirect = Varies
Community BankingEstimated Salary: $20 to $28 per hour based on qualifications.
Associated Bank-Corp
Title: Business Banking Relationship Manager - Southeastern Wisconsin
Location: Wisconsin-Menomonee Falls
Other Locations:
Equal Opportunity Employer
The employment policy of Associated Banc-Corp, and its subsidiaries and affiliates (Associated) provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.
JOB SUMMARY
Under limited supervision, manage and develop a portfolio of Business Banking 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 lead lists and COIs. The Relationship Manager will play a vital role in the growth and development of the Business banking portfolio and market share. Primary focus will be to profile and sell/cross-sell a variety of bank products to our existing client base, as well as prospects. The Relationship Manager will build deposits, loans, fee income and refer appropriate customers and prospects to Merchant services, Treasury Management, Associated Financial Group, Consumer Banking and Wealth Management.
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 insure 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.
KEY RESULT AREAS
o New Business Development
o Demand and savings deposit growth
o Loan Growth
o Fee income generation (Loans and other services)
o Loan and deposit spreads
o Cross Sales to business customers and new clients at point of sale
o Retention of client portfolio
o Asset Quality
o Community Involvement
JOB ACCOUNTABILITIES
The following are essential job accountabilities:
1. Performs all duties in accordance with the Vision and Values of Associated Banc-Corp.
2. 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.
3. The Relationship Manager is to manage a portfolio of Business Banking relationships to retain and grow the relationships through profiling existing customer's portfolios.
4. Responsible for new loan and deposit growth through client portfolio and centers of influence to grow market share, as well as retain / grow existing portfolio. Client and prospect calling activity consists mainly of managing referrals from existing portfolio and centers of influence.
5. The position is responsible for cross selling all bank, especially non-borrowing services; P&C, Life and Group Health Insurance; Cash Management; and Private Client & Institutional Services, Employee Benefit Services to our existing client base and prospective customers.
6. Collaborate with Consumer Banking and Business Development Officers to ensure efficient flow of banking products and services through mutual referral process, ensuring consumer product referrals are fed to the branch banking channel.
7. Manage transfer of Business Banking client from Business Development Officer to branch Manager or Relationship Manager.
8. Act as contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
9. Manage the renewal process by working the client and the Business Resource Center or other credit department.
10. Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.
11. Make presentations on specific loans and participate in the bank's loan approval process, recommending approval and appropriate structure of credits.
12. 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.
13. Participate in community and business functions/groups to ensure a positive image for the bank within the region's marketplace. Establish referral contacts within the community.
14. Perform other related duties as assigned or requested.
JOB SPECIFICATIONS
Minimum Education: Bachelors degree in Business, Finance, Accounting or equivalent
Minimum
Experience: Relationship Manager II: 5 year's business banking or business to business sales experience
? Strong business development skills/experience
? Past track record of sales and client management success
? Strong credit skills
? Strong knowledge of non-borrowing products
? Complexity - Low to high depending upon level
? Strong organization skill, superior communicator and collaborator and highly coachable.
Min. Field-of-Expertise: Business Banking or Commercial Banking Experience, Credit Training and experience, Non-borrowing and borrowing Product Expertise
Portfolio Management experience
Skills: Administrative:
? In-depth knowledge of non-borrowing products.
? In-depth knowledge of lending policies and procedures
? Understand macro and micro economic issues as they apply to business.
? Thorough understanding of risks (market, rate, leverage, etc) as it applies to the lending process.
? Possess good marketing and presentation skills.
? Strong communication skills - both written and verbal
Skills: Machine: Calculator, auto, telephone, dictation, computer applications (email, word, PowerPoint, excel)
Working Conditions: Occasional bending, reaching, climbing
Physical Demands: Sitting, handling, talking and hearing, must have a valid driver's license
Physical Strength: Sedentary Work: lifting a max of 10 lbs.
Vision Requirements: Accommodation: ability to adjust vision to bring objects into focus.
Analyze: Ability to review and analyze financial data in detail and draw logical conclusions.
Math: Ability to perform complex mathematical calculations, including addition, subtraction, division, multiplication, ratio analysis and variance and sensitivity analysis.
Communicate: Ability to communicate effectively internally with bank staff and externally with clients, prospects and other professionals.
Representation: Ability to represent the organization in a professional and positive manner.
Compliance: Uphold the bank''s philosophy and all policies by maintaining appropriate controls to assure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of our organization.
Contacts: Exchange information with employees, clients, correspondent banks, affiliate banks, credit agencies, references, accountants, and attorneys.
Authorization: Loan authority per the Credit and Loan Administration Policy.
Supervision: Direct = Varies Indirect = Varies
Community BankingEstimated Salary: $20 to $28 per hour based on qualifications.
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