Business Banking Relationship Manager III- Philadelphia Main Line, PA

Business Banking Relationship Manager At WSFS Bank, the Business Banking Relationship Manager manages and grows relationships with small-to-medium-sized businesses with up to $10-million in annual revenues, delivering customized financial solutions with total credit exposure of up to $3-million. The role drives business growth by providing expert financial advice and full-service business banking, including lending, deposit, and non-credit products that support the financial goals of business clients. Responsibilities Actively identify and pursue new business opportunities through self-generated referrals and an established network of CPAs, attorneys, business brokers, and commercial real estate professionals. Conduct client and prospect meetings to assess their financial needs, challenges, and opportunities, tailoring banking solutions to meet their goals. Prospect new business relationships and cross‑sell bank solutions and services. Perform comprehensive financial analysis, including review of financial statements, credit reports, and cash‑flow projections, to determine creditworthiness. Develop and recommend loan structures, repayment schedules, and collateral requirements in alignment with client needs and the bank’s credit policies. Negotiate loan terms, ensuring a mutually beneficial agreement while adhering to regulatory and compliance guidelines. Manage an active loan portfolio, ensuring compliance with loan terms, policies, and regulatory requirements. Conduct regular portfolio reviews to identify risks, monitor payment trends, and address early warning signs of potential issues. Collaborate with credit and portfolio management teams to ensure timely renewal of loans and updates to client profiles. Serve as the primary relationship manager, deepening client relationships through consistent engagement and cross‑selling of banking solutions, including cash management, personal banking, and wealth management solutions. Function as the gatekeeper for the bank, ensuring clients are aware of and benefit from the full range of banking solutions and services. Provide exceptional customer service, proactively addressing client concerns and identifying opportunities to enhance their banking experience. Partner with internal teams, including credit administration, operations, portfolio managers, and product specialists, to deliver comprehensive solutions for clients. Mentor and coach junior relationship managers and assist in training new and less experienced small‑business relationship managers on lending procedures, policies, and regulations. Minimum Qualifications Bachelor’s degree in business or finance preferred, or equivalent experience demonstrated through a combination of work and military experience and education/training. Experienced business lender with 5+ years of new business development experience and direct sourcing and prospecting of new clients. 5+ years of business lending experience in the financial industry along with a proven history of managing relationships and sustaining consistent production. Demonstrated proficiency in working with key internal resources. Experience utilizing a CRM system to manage and monitor progress in a sales pipeline toward converting prospects to customers. Strong knowledge of business lending, consumer lending, and deposit products. Credit experience, loan structuring, and financial statement analysis. Proficiency with analyzing applicant financial status, credit, and property evaluation to determine ability and capacity to repay and service debt. Basic knowledge of all applicable regulations that pertain to this position. Knowledge of the Bank Secrecy Act and Anti‑Money Laundering policies, procedures, and related programs. Ability to travel within the WSFS Bank footprint. Authorized to work in the United States without requiring work visa sponsorship from WSFS Bank now or in the future. Salary & Benefits Salary Range: $111,440.00 – $183,082.25. Individual base pay may vary based on the candidate’s experience, job‑related skills, relevant education, geographic location, and other specific business and organizational needs. WSFS provides a competitive benefits package, including medical, dental, vision coverage; a 401(k) plan; life, accident, and disability insurance; flexible spending accounts and health savings accounts; wellness programs; paid parental leave; military leave; vacation and other paid time off; sick leave in accordance with applicable state laws; and paid holidays. Benefit offerings are subject to eligibility requirements, legal limitations, and may vary by location and employment status. Equal Opportunity Employer WSFS is an equal‑opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. #J-18808-Ljbffr WSFS Bank