Senior Associate, Business Banking Relationship Manager, Providence, RI

Country: Estados Unidos It Starts With You: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Associate, Business Banking Relationship Manager is responsible for the identification, development, building and expansion of our 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).

• Collaborates with Regional Manager to develop and implement customer centric relationship plans.
• Coordinates and organizes targeted campaigns and events.
• Complies with and stays abreast of all applicable policies and procedures, federal and state laws.
• Develops new relationships through prospecting, outside calling, networking, referrals and community involvement.
• Acts as a consultant to clients and a resource to the Bank in developing and retaining business.
• Understands the client’s business environment, strategies and industry to better determine their credit requirements, identify potential new business opportunities and provide need based solutions.
• Maintains and applies a thorough understanding of the Company's 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.
• Manage existing relationships to enhance profits, increase revenue and mitigate retention risk while delivering an excellent customer service experience to the client.
• Handles relationship review and overall relationship profitability.
• Identifies cross sale opportunities and facilitate referrals within the organization.
• Works to achieve sales goals (loans, deposits and generation of fee incomes.)
• Identifies acceptable credit opportunities and develops them to generate significant non-credit sales.
• Complies with and stays abreast of all applicable policies and procedures, federal and state laws.

What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor's Degree or equivalent work experience: Business, Finance, Economics, or equivalent field. - Required.
• Master's Degree: Business, Finance, Economics, or equivalent field. - Preferred.

• 9+ Years Business Banking Relationship Manager role and/or related Business lending experience. - Required.

• 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.

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in Microsoft Office products.

What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range: Minimum: $90,000.00 USD Maximum: $155,000.00 USD We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. [Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)](#) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at [View email address on joinrs.com](#) to discuss your needs.