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Relationship Manager, Community Banking

FNBO Rockford, IL

At FNBO, our employees are the heart of our story--and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.

The Community Banking Relationship Manager (RM) will deliver advice and value for business customers. They will enable business customer growth and retention in line with credit and risk strategies. The Relationship Manager will "bring the bank to the customer" by connecting business customers with appropriate products to include but not limited to, commercial deposit accounts, payment products, treasury services, business planning, and credit accounts.

Key Accountabilities:

1. Customer Relationship Management: Help customers be successful by understanding customer needs and matching with FNBO solutions. This will be achieved by alignment with "how we will consistently get the work done" though the Wholesale Banking Group Behaviors;

  • Proper use of Salesforce
  • Proper use of Precision Lender
  • Proper use of IMPAX
  • Collaboration
  • Full adaption to new way of working in nCino
  • Be respectful of other roles and process

Customer Persona:

The Community Banking Relationship Manager will manage portfolio relationships matching the skills, knowledge, and experience of the RM to the needs of the customers in their geography framework. A summary of the customer persona is detailed below:

  • Professionally Managed Business - "I'm preserving the tradition of my parents, and creating something even bigger for my kids".
    • Employment tenure - Lifetime
    • Company size - 100+ employees
    • Management style - Large, Closely held, Professionally managed
  • Deliver an Uncommon Understanding for customers and providing advice and value based on the customers financial needs and goals by;
    • 30% time spent acquiring new business
    • 50% time spent growing existing business
    • 20% time spent servicing exiting business
  • Be accountable for managing a portfolio of 50 relationships averaging $50M loans
  • Be accountable for managing a portfolio of 50 relationships averaging $50M deposits

*Volume-based expectations will be measured per the RM dashboard/scorecard*

2.  Business Development Activities:

  • Build a portfolio of business customers by delivering advice and value. Build centers of influence (attorney, accountants, and other needed referral sources).
  • RMs will guide, direct and facilitate solutions across all product specialties of the bank for their business customers.
  • Participate and be involved as an active community member.
  • Identify new business customer opportunities and solutions aligned to match customer needs.
  • Oversee portfolio quality focused on growth and retention in line with credit risk.
  • Facilitate product partners and support teams based on customer needs.
  • Negotiate terms and options with customer.
  • Qualify and document opportunities.
  • Set expectations with customer regarding timeline and product document requirements.
  • Leverage technology and tools consistently for data quality.
  • Use sales and prospecting tools and processes, effectively.

3.  Cross Functional Working Relationships: Partner with others across the diverse footprint of the enterprise to optimize referral opportunities to meet the needs of the business customer.

  • Collaborate with partners across the enterprise to fully optimize meeting the needs of the business customer to accelerate income and growth.

4. Compliance: Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.

  • Complete compliance training and adhere to internal procedures and controls, as required.
  • Report any known violations of compliance policy, laws, or regulations.
  • Report any suspicious customer and/or account activity.

5. Professionalism/Attendance: Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance.

Knowledge, Skills, Education and Experience:

Bachelor's Degree 5+ years of successful commercial lending relationship management experience. Ability to build and grow a diverse portfolio of business products with professionally managed businesses. Customer-focused thinker Strong customer and people relationship skills Proficient credit analysis knowledge and skills Proven experience prioritizing and handling multiple customer relationships at the same time.

*This role document is reflective of role at a point in time and will continue to evolve and be updated as needed*

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this,  we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact.  FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

Date Posted September 22, 2022
Date Closes November 21, 2022
Requisition R-20221130
Address 839 N. Perryville Rd. Ste 101 Rockford, IL 61107
Located In Rockford, IL
Work At Rockford, IL-Loan Production & FIG
SOC Category 00-0000.00

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