Job purpose:

• The position of Business Banking Relationship Manager is responsible for the acquisition of new business  banking clients and the expansion/retention of existing relationships. Will help structure, underwrite,  negotiate and manage credit relationships. Responsible for developing and executing relationship  management plans for Business Banking clients; this includes effectively collaborating with client support  and product teams as well as senior management. Must be knowledgeable of financial needs of our  clients and the Bank’s products, including loans, deposits, treasury and insurance solutions.

Key responsibilities:

Business development 

• Maintains and grows a profitable book of business through disciplined and proactive business  development and relationship management.
• Highly focused on our target client profile; understands their financial needs and effectively  communicates our value proposition.
• Develops an in-depth knowledge of Bank products and services. Cross Selling products based on  customer needs while collaborating with other teams in the bank for suitable product offerings • Attains established business targets on loans and deposits through active participation in sales  management process.

Underwriting 

• Effectively identifies key risk factors associated with business opportunities and clearly articulates by preparation of credit presentations and participate in the underwriting and credit approval  process.
• Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents  credit actions and agreements.
• Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents  credit actions and agreements.

Relationship management 

• Takes ownership for client relationship with the Bank.
•  Prioritizes relationships effectively and has an appropriate relationship management plan for each  customer.
• Takes a consultative approach to understanding our client’s objectives, effectively identifies their  financial needs, implements appropriate financial solutions, and undertakes ongoing review and  assessment to ensure plan execution.
• Effectively collaborates with client service team, product team and senior management to ensure  excellent client experience.
• Maintains a working knowledge of bank operating policies and procedures which impact  commercial relationships.

Portfolio management 

• Accountable for overall portfolio management, compliance and risk.
• Monitors conduct of portfolio to ensure actual performance is consistent with approved limits  and loan structures.
• Completes accurate and timely credit actions, including periodic reviews, renewals and  modifications.
• Ensures that borrower reporting requirements and financial covenants are met.

Teamwork & leadership. 

• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and  with integrity; upholds organizational values; accepts responsibility for own actions.
• Exhibits leadership by example, pursuing high performance and professionalism.
• Any other duties as may be directed by the supervisor or equal authority.

Job Experience/Qualifications:

• Bachelor’s degree in business, finance, or accounting or relevant.
• 3-5 years of experience managing business banking relationships, and developing, structuring,  underwriting, and negotiating credit transactions.

Skills & Competencies:

• Must be a self-starter and have the ability to take ownership of key relationships with minimal  supervision while effectively communicating with senior management.
• Effective oral and written communication skills.
• High analytical skills.

Working relationship:

• Internal relationships: Credit team, Compliance and Legal teams, Branch Managers
• External relationships: Business Clients, External Advisors