Relationship Manager

Small Business Relationship Manager

The Small Business Relationship Manager is responsible for acquiring, managing, and retaining small business clients. This role will support multiple banking centers in a defined geographic territory by focusing on small business customers over $3 million in annual revenues with lending needs over 100K (up to $1.5MM), including all owner-occupied commercial real estate and SBA lending. The SBRM will be committed to acquiring new relationships, discovering unmet needs, and working closely with business partners.

Position Responsibilities

New Business Development and Cross-Selling

• Generates new product relationships from new and existing Small Business clients, including but not limited to demand deposit/operating accounts, cash management and payments services, Business Loans, Business Lines of Credit, Commercial Real Estate Loans, SBA, and various other banking products and services.
• Regularly conduct in-person calls with prospects, centers of influence (COIs), and existing clients at their places of business.
• Receives incoming Retail Small Business client referrals from assigned Retail Branches to identify opportunities to acquire new business and deepen household relationships through extensive cross-selling, which includes referring to Commercial Banking channels, Consumer Banking, Private Banking, Wealth Management, and other lines of business.
• Maintains an active pipeline, which is communicated regularly to their assigned Retail Branches/Private Banking partners.
• Effectively uncovers and assesses prospects' needs and financial status to provide accurate and suitable credit and other product advice and recommendations.
• Coordinates with Credit Center and various product specialists to deliver services to the client.
  
  

Portfolio Management And Customer Experience Activities

• Coordinates with Credit Center partners and various product specialists to deliver services to the client.
• Monitors the credit relationship and obtain updated financial information.
• Documents and maintains risk-based discussions with borrowers, recognizes unfavorable trends, and makes appropriate recommendations to the credit partners.
• Clearly communicates the application and credit decision process; proactively follows up on credit requirements; acts as a liaison between the Credit Center, other Bank partners, and the client; and provides recommendations about possible appeals of credit denials.
• Partners with Credit Center associates for credit underwriting, processing, closing, and maintenance.
• Negotiates terms, conditions, and pricing with customers to reach terms that accommodates their needs and is acceptable and profitable to the bank.
  
  

Position Qualifications

• Bachelor's Degree from an accredited University or 4 years of relevant experience
• 3 years of consumer/business financial services sales experience
• 1 year experience with utilizing Microsoft Office products including Word, Excel and PowerPoint
  
  

Work Best Category

Category C - Days in the office will either be designated days or will vary week to week from 2-5 days

Hours

8:00am - 5:00pm Monday - Friday

Salary

To Be Determined Based on Individual Experience

About Comerica

We know our employees are critical to our overall success and we are dedicated to investing in their future. One of the ways we do this is to offer a comprehensive Total Rewards package designed to recognize and reward individual performance, as well support health, well-being, development and security for our colleagues and their family. Total Rewards consists of cash compensation, development and flexible benefit programs designed to meet individual needs today and in the future. Your salary will be commensurate with your work experience and our programs are reviewed regularly to ensure each remain competitive. We are proud to offer benefits such as health and welfare programs, strong retirement benefits, and generous paid time off programs. You and your eligible family members, including domestic partners and their children, can participate in medical, dental, and vision benefits, 401(k) and pension, income protection benefits such as life insurance, AD&D, and supplemental health programs to offset unexpected health care expenses. We also have a variety of time off programs for things like vacation, sick time, disability, and parental leave. Eligibility for some programs varies based on employment status and tenure.

Upon offer, Comerica conducts a comprehensive background and fingerprint check.

NMLS certification requirement: where applicable, a favorable background check screening, credit check, fingerprint check, and NMLS certification is required in accordance with the SAFE Act.

Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, and strategically aligned into three major business segments; the Commercial Bank, the Retail Bank, and Wealth Management. Comerica's colleagues focus on relationships, and helping people and businesses be successful. In addition to Texas, Comerica Bank locations can be found in Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico.

Comerica is proud to be an Equal Opportunity Employer - veterans/individuals with disabilities, committed to workplace diversity.