People's United Bank SR COMM RELATNSHP MGR SVP in BOSTON, Massachusetts

Job Description:

The Relationship Manager is responsible for identification, development, building and expansion of the customer base/network/business opportunities, growth of loans deposits and fee income through the development of robust sales plans and utilization of industry contacts (COIs, existing clients and referrals) for the ongoing origination of new C/I loans.

Principal Responsibilities:

Collaborate with Regional Manager to develop and implement customer centric relationship plans. Coordinate and organize targeted campaigns and events.

Develop new C/I relationships through prospecting, outside calling, networking, referrals and community involvement.

Understand the client’s business environment, strategies and industry to better determine their credit requirements, identify potential new business opportunities and provide need based solutions.

Maintain and apply a thorough understanding of the banks’ credit policy, client eligibility and all necessary business practices to ensure the submission of accurate and complete commercial loan packages. Negotiates terms and loan structures with clients around the most complex deals.

Structures, underwrites and presents credit requests in accordance with internal policy. Ensure proper reporting, documentation and review to determine that a loan is an acceptable risk.

Manage existing relationships to enhance profits, increase revenue and mitigate retention risk while delivering an excellent customer service experience to the client.

Responsible for relationship review and overall relationship profitability. Identify cross sale opportunities and facilitate referrals within the bank.

Development of a COI network/referral base for new business.

Actively work to achieve C/I sales goals (loans, deposits and generation of fee incomes.) Identify acceptable credit opportunities and develop them to generate significant non-credit sales.

Act as a mentor for junior or new staff members to assist in their development of skills.

Complies with and stays abreast of all applicable policies and procedures, federal and state laws.

Adheres to compliance procedures and internal/operational risk controls in accordance with any and all applicable regulatory standards, requirements, and policies.

Job Requirements:

Bachelor’s degree in finance, business, economics or a related field OR equivalent industry sales experience. Master’s degree in finance, business or economics preferred.

7-10 years of commercial lending experience with a proven successful sales record.

Additional Job Requirements:

Superior understanding of C/I loans.

In-depth knowledge of banks, credit and deposit products.

Thorough understanding of market risks, macro/micro economic issues as they apply to banking, and lending policies and procedures.

Thorough understanding of the trends, competition, communities and businesses in the serviced markets.

Superior analytical, consulting and negotiating skills.

Superior written, verbal and interpersonal communication skills.

High-energy, result-oriented and works well in a team environment.

Excellent business development and presentation skills.

Superior client relationship, marketing presentation and sales/closing skills.

Ability to interact with clients in a professional manner.

Strong computer skills to include Microsoft Office (Word, PowerPoint and Excel) and ability to quickly learn new software and or systems.

Demonstrated ability to manage and prioritize multiple tasks.

Excellent understanding of Problem Asset Review Management, FAS 114

Standards, Covenant Compliance and TDRs.

Ability to maintain and demonstrate high ethical standards and personal integrity to build credibility and trust while enhancing the organization’s reputation in the lending community.

Posting Title:

Sr. Commercial Relationship Manager, SVP - Boston



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Full Time

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People's United Bank and its subsidiaries are equal opportunity and affirmative action employers EOE-Females/Minorities/Protected Veterans/Individuals with Disabilities. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status or any other legally protected status.