Senior Relationship Manager

What Is the Opportunity? Develops and manages relationships with commercial clients in the assigned business segment and/or geographic areas. Presents a variety of product solutions to client needs. Provides responsive, quality service. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned. This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program. What Will You Do? Identify, develop and build profitable relationships with prospects and customers consistent with the objectives of the bank. Actively work with customers and develop prospects consistent with the credit culture of the bank. Proactively identify and work with customers to ensure the credit quality standards of the bank. Develop relationships and support other CNB departments and colleagues to provide customers and prospects the solutions recommended. Participate in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers. Prepare a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identify business opportunities and solicit referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develop a strong understanding of company, industry, business and needs to assist in customer calling efforts. Set objectives for each relationship in terms of revenue contribution, etc. Call on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discuss financing opportunities and general business conditions; may assist in forecasting clients’ credit needs and develop solutions to serve their financial needs. Bring in product specialists, as necessary, to help problem solve or structure transactions. Negotiate transactions; price loan products within targeted rate of return; document and close loan transactions, ensuring conformance with Bank policy and regulatory requirements. Exercise sound credit and risk judgement in approving transactions. Recommend approval when transaction size exceeds authority limits. Ensure the quality of all business introduced to the Bank. Represent the Bank by actively participating in outside civic and community affairs, business and industry‑related organizations, and other professional activities as appropriate. Interface with other Bank departments as necessary. Define responsibilities and coordinate objectives for all product areas in a relationship or transaction. Resolve all client needs and any internal issues. Monitor and analyze relationship results and account activities. Determine client profitability. Make a recommendation regarding accounts to be further developed or eliminated. Prepare reports for management. Monitor portfolio for quality, risk and adherence to policy. Work with the appropriate staff departments to resolve issues. Maintain awareness of competitive products, practices, rates and changes in market conditions. Analyze problem credits and meet with client to develop solutions to minimize loss exposure. May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations. Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential. What Do You Need to Succeed? Required Qualifications Bachelor's Degree or equivalent Minimum 5 years of lending experience required. Minimum 5 years of credit experience required. Additional Qualifications Good understanding of all products and services applicable to target client segment. Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures. Demonstrated sales and marketing abilities. Good credit analysis and accounting skills. Capable of working well independently and in teams. Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility. Strong interpersonal, verbal, and written communication skills. Strong demonstrated sales and marketing abilities including cross selling skills. Superior client relationship skills. Good understanding of commercial credit policies and procedures. General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction. Sound credit analysis and accounting skills. Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility. Must be capable of working well independently and in teams. Strong interpersonal, verbal, and written communication skills. What’s in It for You? Compensation Starting base salary: $122,535 - $208,715 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. Benefits and Perks Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date Generous 401(k) company matching contribution Career Development through Tuition Reimbursement and other internal upskilling and training resources Valued Time Away benefits including vacation, sick and volunteer time Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs Career Mobility support from a dedicated recruitment team Colleague Resource Groups to support networking and community engagement Inclusion and Equal Opportunity Employment City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job. #J-18808-Ljbffr City National Bank