Small Business Relationship Manager

Salary Range: $88,000 - $102,500

PRIMARY RESPONSIBILITY:

The Small Business Relationship Manager (SBRM) is responsible to develop and maintain a portfolio of Retail and Small Business customers for the Bank, work to deepen those relationships through active client management, and cross sell core deposit, loan and cash management products. The SBRM will focus primarily on the Bank’s smaller Commercial relationships housed at the branch level.

ONGOING ESSENTIAL FUNCTIONS:

• Develop customer relationships and/or retain and expand existing relationships by proactively identifying opportunities through regular sales calls and appointments.
• Utilize a needs-based sales approach to understand clients’ needs and offer customized solutions.
• Work closely with the bank’s credit underwriting team as it related to the underwriting and credit approval process for new loans and annual reviews of existing credit relationships.
• Maintain a thorough understanding of available SBA loan programs to provide tailored solutions to meet individual business term loans and lines of credit needs.
• Maintain an extensive knowledge of all Retail related procedures, products and services, and a strong general knowledge of Commercial and Cash Management products and services.
• Maintain a comprehensive knowledge of market trends and the competitive landscape related to business banking, including best practices related to products and services, systems, and compliance.
• Take ownership of account servicing and error resolution, including resolving routine customer problems and referring more complex issues accordingly. Follow-up on these issues as required ensuring timely and accurate resolution and convert servicing situations into sales opportunities.
• Proactively collaborate with all GRB sales partners to cross sell Deposit and Loan products and services.
• Consistently exceed customer expectations by providing best-in-class customer service.
• Contribute to client satisfaction by meeting sales and service expectations, resolving problems, and developing ideas to improve overall performance.
• Active participation in demonstrating the behaviors outlined in the GRB Experience.
• Utilize nCino to memorialize all calling efforts and sales results, to achieve assigned annual sales and referral goals to GRB’s internal partners.
• Maintain and ensure all banking and regulatory policies and procedures are adhered to and are up to date.
• All other duties as assigned.

EDUCATION AND EXPERIENCE:

Bachelor’s degree in a business-related discipline, and a minimum of 5 years’ sales and/or relationship management experience, preferably in Retail/Business Banking and/or outside professional sales, or the equivalent combination of education and experience.

• Expertise in needs-based, consultative selling.
• Proficient understanding of credit review and underwriting process including basic knowledge of financial statements and tax returns.
• Previous credit analysis and/or experience in commercial banking strongly preferred.

COMPETENCIES:

• Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
• Demonstrated PC literacy.
• Detail-oriented, conscientious, sensitive to confidential information, and efficient work habits required.
• Excellent written and verbal communication skill; ability to present in a clear and concise manner.

WORK ENVIRONMENT:

The work environment is an indoor, climate-controlled office setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)