Commercial Relationship Manager (Wooster, OH)

Relationship Manager

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written! If you are interested and qualified for this role, we invite you to apply. The Relationship Manager will handle multi-faceted relationships as you call on prospective and existing clients to generate loans, deposits, and fees for a geographic area. The RM will determine credit eligibility, prepare loan narratives, ensure loans meet appropriate criteria, and effectively cross-sell a wide variety of products. Responsibilities include marketing products and services, including preparing for client calls, making sales calls, and call follow-up as well as monitoring and enhancing profitability on all assigned relationships. The Relationship Manager participates in the achievement of corporate sales and service goals to build customer (external / internal) relationships and enhance shareholder value.

The position will generally be located in a market hub or other high business potential. Essential Functions / Responsibilities include :

• Developing new and expanding existing client relationships by initiating business development activities, proactively reviewing client's current and changing financial needs, and cross selling products and services.
• Growing and maintaining a profitable book of business (loans and deposits) to achieve individual and market goals.
• Developing a comprehensive understanding of client's needs based on the review and analysis of personal and financial data.
• Qualifying prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Preparing and overseeing the completion of the loan approval requirements including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtaining appropriate approval for credit under consideration.
• Recommending and negotiating the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participating and representing First Financial Bank in various community, civic and professional organizations.
• Referring loans to loan committee for approval.
• Responsible for understanding clients' financial goals, provide credible advice and recommend products that fit their holistic needs. Intimately understand clients' business priorities and refer them to other lines of business as appropriate.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job include :