Business Banking Relationship Manager Resume Sample
Harold Lubowitz
62626 Raheem Hills,
Boston,
MA
+1 (555) 104 0446
Work Experience
Business Banking Relationship Manager
08/2017
-
PRESENT
Houston, TX
- Develops and maintains an in- depth knowledge of products and services as well as knowledge of competitors and competitive products
- Promotes and cross- markets products and services to clients by keeping clients informed of products, services, special promotions, and provides appropriate financial solutions via consultative review and proactive contact
- Put customers first in all that we do and develop/increase connectivity
- Own customer engagement; ensure service excellence at all times, for all aspects of any customer, prospect or professional’s interaction with HSBC
- Work in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactions with (prospective) customer or other professionals
- Ensure fairness in all aspects of strategy, product design and delivery, sales processes, customer literature and correspondence, financial promotions, administration and complaint handling
- Assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagement
- Be an ambassador for HSBC and develop the bank’s profile in the local community, by participating in internal and external business events, road shows and seminars as required by the business
- Take prompt and appropriate action to address customer complaints at the first point of contact
Retail Business Banking Relationship Manager
10/2012
-
03/2017
San Francisco, CA
- Ensure early identification of problems and take appropriate action to protect customers and HSBC's interests
- Act as International Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of our activity, setting world class standards
- Work with product partners such as Payments and Cash Management (PCM), Trade and Insurance to assess needs of international and domestic customers and offer appropriate solutions that meet the customer needs
- Generate referrals facilitated via Global Links and local or overseas International Banking Centres (IBCs), whichever appropriate, helping our customers grow their business
- Work in partnership with colleagues across the HSBC Group to improve connectivity, deliver exceptional standards and quality of service across all interactions
- Work with Product partners and other Group partners and assist in the delivery of solutions, services and products that are appropriate to meet customer needs and improve customer engagement
- Ensure identification of early warning signs and problem relationships and take appropriate action to protect HSBC interests
- Build a strong relationship with the Risk Management teams in order to achieve a sustainable asset growth
- Be an ambassador for HSBC and develop the bank’s profile in the local ‘International Business’ community, by participating in internal and external business events, road shows and seminars as required by the business
Business Banking Relationship Manager, Mentor
03/2006
-
09/2012
Boston, MA
- Ensure fairness in all aspects of product delivery, sales processes, customer correspondence and complaint handling
- Establish strong relationships with (prospective) customers and third parties (e accountants, lawyers, trade advisors)
- Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products
- Actively participates in Community organizations to source business development opportunities and demonstrate Key’s commitment to the local community
- Proactively provides client solutions by contacting leads identified in the Desktop
- Grow, retain and expand a portfolio of existing Business Banking customers. Responsible for sourcing new customers through referrals
- Visit client locations
Education
Upper Iowa University
2000 - 2005
Bachelor's Degree in Accounting
Professional Skills
- Strong leadership, planning, and organizational skills are required
- Business Banking sales experience to include lending, portfolio management, and Commercial credit training/experience
- Negotiation, influencing and relationship-building skills with client base, prospects, management and product partners
- Demonstrates strong knowledge of bank’s risk-rating system, credit products and underwriting policies
- Effective leadership and people skills
- Maintaining strong market knowledge and developing, retaining and expanding relationships with Centers of Influence ie. CPA’s and Attorneys
- Demonstrated sales and marketing capabilities. Good understanding of all products and services applicable to target client segment
How to write Business Banking Relationship Manager Resume
Business Banking Relationship Manager role is responsible for negotiation, customer, credit, business, analysis, design, retail, finance, training, payroll.
To write great resume for business banking relationship manager job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Business Banking Relationship Manager Resume
The section contact information is important in your business banking relationship manager resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Business Banking Relationship Manager Resume
The section work experience is an essential part of your business banking relationship manager resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous business banking relationship manager responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular business banking relationship manager position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Business Banking Relationship Manager resume experience can include:
- Effectively negotiate with underwriters and clients to maximize revenue and minimize risk
- Good understanding of the local and international ‘Commercial’ environment by way of staying current with a broad range of industries and businesses
- One to three years of business banking or commercial lending experience
- Experience in negotiating and structuring commercial loans (credit and cash management)
- Experience negotiating and structuring commercial loans
- Business Banking Sales or Commercial Lending experience
Education on a Business Banking Relationship Manager Resume
Make sure to make education a priority on your business banking relationship manager resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your business banking relationship manager experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Business Banking Relationship Manager Resume
When listing skills on your business banking relationship manager resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical business banking relationship manager skills:
- Demonstrated solid sales, presentation, interpersonal, negotiation and written and verbal communication skills
- Outstanding organizational skills and extremely detail oriented
- Work effectively in a fast-paced environment managing work flow across different lines of businesses/departments
- Solid understanding of all Small Business Banking products (ie: line of credit, accounts, credit cards and leasing)
- Solid understanding of underwriting and analysis for small and mid-size companies of all complexities
- Proven ability, with a successful record in sales and business development meeting and exceeding sales targets
List of Typical Experience For a Business Banking Relationship Manager Resume
1
Experience For Retail Business Banking Relationship Manager Resume
- Between 5 - 7 years demonstrated solid sales, presentation, interpersonal, negotiation and written and verbal communication skills
- Experience and knowledge in credit analysis and lending
- Establish an effective dialogue/ working relationship with Risk Management teams in order to build a sustainable asset growth
- Team player and capable of organizing, facilitating, leading and negotiating with team of bank associates to solve client issues
- Prospect for new clients by utilizing referral sources, existing clients, financial centers and centers of influence
- Build knowledge with each assigned client by completing an in depth profile of business and develop/manage a relationship plan for each client
- Work with product partners (Affiliate- Retail IE, WMA, TMO, etc. and Bancorp- Vantiv, Paycor, etc.) to analyze, evaluate and develop a tailored relationship strategy for each client or prospect
2
Experience For Senior Business Banking Relationship Manager Resume
- Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape
- Knowledge of commercial C&I bank products and services that result in successfully capitalizing on all opportunities to cross-sell the bank’s products
- Integrate and exhibit broad knowledge of HSBC’s Group capabilities and Retail Business Banking’s proposition and product capabilities
- Completion of Commercial Credit Training
- In depth knowledge of financial products and banking regulations
- Be agile, hands-on and versatile to adapt to ambiguity in a fast paced changing environment
3
Experience For Business Banking Relationship Manager, Mentor Resume
- Knowledge of commercial loan products & lending/compliance regulations
- Present loan proposals to the Bank’s Loan Committee when necessary
- Some local travel required; Rare overnight travel required
- Achieve sales revenue and customer acquisition targets established by the Bank
- Assess customer loan requirements and work out sound loan schemes to suit individual needs as well as business needs
- Works with internal and external auditors and corporate compliance to ensure conformity with bank policies and procedures and federal and state regulations
- Builds and develops customer relationships to position Santander as the bank of choice
- Avg loan portfolio O/S of $50MM to $75MM
- Avg deposit portfolio of $25MM to $75MM
4
Experience For Small Business Banking Relationship Manager Resume
- Annual contribution of $500M to $750MM
- Participates in community and professional activities in order to enhance Bank’s image and expand personal network of business contacts for development of new business
- Participates in joint calls with business partners (i.e. Cash Management, Merchant & Payroll representatives) to develop customer relationships and support specific product sales across business lines
- Develop a targeted COI (center of influence) list and have a detailed plan to build relationships that lead to referral business in support of goals
- Achieve established goals as outlined by manager
5
Experience For Business Banking Relationship Manager Manhattan Resume
- Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers
- Manage the segment’s more complicated and important loan relationships
- Evaluate credit information and requests and recommend appropriate loan structure to manage risk
- Maintains productive, long-term relationships with clients and centers of influence. Is seen by clients as a key business partner in pursuing common business objectives. Uses active listening skills and probing techniques to surface opportunities to influence. Develops and nurtures personal relationships with key customer decision makers
- Locates and researches potential new clients. Develops new business relationships through calling on targeted potential clients. Uncovers prospect's needs for commercial products and services and recommends solutions. Identifies the critical goals and tasks required to meet objectives
- Solid knowledge of commercial banking products and services (both credit and non-credit), Santnader Banks Credit Policy and Procedures, competitor product lines, commercial compliance regulations
- Correctly structures and successfully negotiates loan transactions with clients and prospects within accepted risk tolerance levels
6
Experience For Agri-business Banking Relationship Manager Trainee Resume
- Cross-sells all bank loan, deposit, treasury management and electronic products as appropriate to client needs
- Manages loan renewals, collection efforts on all past due loans and loans in default in a judicious manner and sustains a high level of asset quality within their portfolio
- Upholds a satisfactory level of familiarity with target markets and clients
- Obtains, previews, and conducts preliminary viability analysis on loan applications and associated documents. Safeguards that applications are whole as to core requirements and all other initial items have been received or requested prior to submission to underwriting
- Achieves specific assigned loan origination and deposit growth performance expectations including Commercial Loan Portfolio production and Growth , Depository Relationship production and Growth , and intelligent/relevant ancillary introductions
- Reviews and presents loan presentations to manager, offers review of loan documents, and provides closing review of all other associated loan documentation and closing items
- Safeguards electronic loan files are properly documented and preserved
- Contribute to the development, implementation and maintenance of a management information, analysis and reporting framework that supports and informs timely and effective business management and decision making at all levels
7
Experience For Virtual Business Banking Relationship Manager Resume
- Contribute to the implementation and monitoring of the application of policies, governance frameworks, procedures, practices and standards to ensure quality, effective risk management and regulatory compliance
- Optimize the potential value and profitability of existing relationships by assisting in the delivery of solutions, products and services appropriate to meet customer need and to improve customer engagement
- Take a proactive approach to client planning collaborating effectively with products partners and colleagues to assess customer needs and delivering appropriate solutions
- Ensure fairness in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration and complaint handling
- Enhance the Bank’s image in the marketplace to build key relationships with third parties , and in conjunction with management, establish strong relationships with HSBC customers/prospects and accountants/lawyers, Trade Advisors etc
- Ensure early identification of problem relationships and proper action to be taken on potential and existing problem accounts to protect HSBC interests
- Lead, inspire and motivate junior colleagues to ensure a seamless relationship management service is delivered all customers and proactively share knowledge, experiences and best practices with junior RMs
- Coach and provide development support to other RMs and support officers, taking a genuine interest in their progression
- Liaise with direct service channels if/when appropriate to certify and deliver an outstanding service to customers
8
Experience For Business Banking Relationship Manager, RI Resume
- Provide active feedback to seniors on process, operations, risks etc and make recommendation as to how these can be changed to secure the customer and the bank
- Engage with clients at a strategic and transactional level
- Management of an extensive portfolio of clients with annual revenues of $10-$100 million
- Proven experience with and comprehensive understanding of commercial lending and small business operations. Proficient in personal computer applications - PC (MS Windows and Office Products), Client Experience Desktop
- Bachelors and 2+ years of directly related experience
9
Experience For Business Banking Relationship Manager Resume
- Positive reputation and network of industry contacts
- Solid knowledge of commercial banking products and services (both credit and non-credit), Santander Bank Credit Policy and Procedures, competitor product lines, commercial compliance regulations
- Solid knowledge of commercial banking products and services (both credit and non-credit), Santander Banks Credit Policy and Procedures, competitor product lines, commercial compliance regulations
- Solid knowledge of commercial banking products and services (both credit and non-credit), Santander's Banks Credit Policy and Procedures, competitor product lines, commercial compliance regulations
- Management of an extensive portfolio of commercial clients with annual revenues of $10 - $50 million
- Good understanding of Cash Management, Merchant Service, Trade Services products offered to Business Banking customers and ability to identify sales opportunities for those product sets
- Experience in Business Banking
10
Experience For Retail Business Banking Relationship Manager Resume
- Progressive knowledge of credit and credit quality
- Between 5 - 7 years
- Solid knowledge of commercial banking products and services (both credit and non-credit), Banks Credit Policy and Procedures, competitor product lines, commercial compliance regulations
- Proficiency in the following competencies: business acumen, interpersonal savvy, time management/priority setting, drive for results, presentation skills and dealing with ambiguity
- Five to seven years of experience in relationship management banking
List of Typical Skills For a Business Banking Relationship Manager Resume
1
Skills For Retail Business Banking Relationship Manager Resume
- Self-motivated with proven sales skills and experience
- Deep credit analysis experience and loan documentation skills
- World class customer service and sales skills
- Financial services sales experience with a demonstrated ability to drive for results
- Maintain excellent communication with Group colleagues to ensure a joined up approach to identifying and capturing cross border opportunities
- Three to four years of experience in relationship management banking
- Manage a sales portfolio and build strong relationships to acquire new businesses and to achieve desired lending product targets
2
Skills For Senior Business Banking Relationship Manager Resume
- Five to eight years of commercial lending experience
- Three to five years of experience in relationship management banking
- Business Banking sales experience
- Previous Lending experience
- Act as an ambassador for the team and contribute fully to its development, effectiveness and success
- Experience in Business Banking
3
Skills For Business Banking Relationship Manager, Mentor Resume
- 6 (six)+ years of experience in Business Banking
- Formal credit training or on the job experience is mandatory
- Five or more years of experience in Business Banking
- Formal credit training and experience
- Maintain strong market knowledge and develop, retain and expand relationships with Centers of Influence ie. CPA’s and Attorneys
- Identify, prioritize and develop relationship strategy for retention, expansion clients and
- Understanding the client needs, providing value added solutions, managing a portfolio of existing customers and driving new commercial customer relationships
- Marketing- Knowledge of principles and methods for promoting and selling products or services. Knowledge of sales techniques
4
Skills For Small Business Banking Relationship Manager Resume
- Working knowledge of all lending practices, specifically Commercial lending
- Working knowledge of sales techniques, banking products and services
- Developing consultative relationships with small business clients in your target market with annual revenues ranging from $500K-$5MM
- Working knowledge of sales techniques and services, banking products and procedures, consumer and commercial credit structuring
- Finance & Accounting - Basic knowledge of accounting principles, financial analysis/review of customer financial information
5
Skills For Business Banking Relationship Manager Manhattan Resume
- Serves as a contact for non-borrowing accounts and loan customers for matters relating to other Bank services
- Counsels with and assists in the training and development of commercial lending staff
- Entrepreneurial and innovative self-starter with minimal direct supervision while working well within a team environment and adhering to HSBC standards
- General knowledge of business banking products, banking sales process and cycle
- Service existing business banking client base
6
Skills For Agri-business Banking Relationship Manager Trainee Resume
- Frequent travel possible depending on assignment
- Participates in Loan Committee meetings while presenting new credit proposals
- Work as an integrated member of the Business Banking team
- Avoid pasting from Word, as its special characters can cause display problems
- Completion of credit training program
7
Skills For Virtual Business Banking Relationship Manager Resume
- Completion of a credit training course
- Isolate current and emerging client needs / proactively introduce solutions
- Actively engaging in meaningful community activity to expand potential customer base
- Network with centers of influence to develop business including accountants, attorneys and other referral sources
- Intermediate Fluency of Windows applications and Microsoft Office programs such as Word and Excel
- Reputation in market attracts talent
- Credit - Knowledge of one or more of the following: commercial credit policies and procedures; loan analysis, restructuring, and documentation; collection techniques
8
Skills For Business Banking Relationship Manager, RI Resume
- Interview loan applicants and collect and analyze financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request
- Develops new business by contacting prospects and customers and cross-sells bank products and services
- Monitors loan repayment activities
- Advises customers, where possible, on business prospects and customers and financial matters
- Build positive relationships both within the Personal & Business Banking Division and throughout the bank and capable of establishing professional expertise through integrity, dedication, and strategic counsel
- Align to Medium Term Outlook (MTO) and Area Operating Targets defined by the Group (Revenue, Risk Weighted Assets (RWA), Return on RWA (RoRWA
- Develop and maintain own contacts with individuals within customers’ organization
- Act as principal point of contact in Relationship Managers absence
9
Skills For Business Banking Relationship Manager Resume
- Co-ordinate introduction to and from other areas of the Barclays Group where appropriate and monitor outcome
- Assist with development of and revisions to Customer Relationship Plan
- Monitor level of customer service and satisfaction
- Develop and maintain links with local business community and support Relationship Manager in same activity e.g. K.B.I.s
- Conduct research to identify potential new customers and maintain database of potential customers
- Arrange and undertake product presentations where appropriate
10
Skills For Retail Business Banking Relationship Manager Resume
- Develop and maintain contacts with specialists in other branch sectors and other areas of the Group
- Monitor leads and co-ordinate information for the Relationship Manager on overall portfolio
- Act as a Relationship Manager by offering value-added advice to customers and placing their needs at the forefront of our activity, setting world class standards
- Keep up-to-date on knowledge of HSBC’s international and domestic strategy, capabilities and policies, and of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirements
- Work collaboratively with product areas such as Payments and Cash Management (PCM), Trade and Insurance, and other Group partners to assess needs of international and domestic customers and offer solutions that meet their needs
- Act as Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of our activity, setting world class standards
- Generate referrals for Premier businesses and face to face managed portfolios
- Encourage and enable constructive cross-country and cross-business teamwork by demonstrating collaboration and matrix management in action and challenging actions and behaviours that are not consistent with HSBC's diversity policy and/or the best interests of the business and its customers
List of Typical Responsibilities For a Business Banking Relationship Manager Resume
1
Responsibilities For Retail Business Banking Relationship Manager Resume
- Ensure proper due diligence is collected and complete prior to submission for documentation
- Years of functional/professional experience: 3-5
- Knowledge of client contact areas of the Bank including investments, trust, commercial lending, and mortgage
- The Bank’s service standards
- Partner with Portfolio Managers and Credit Officers (Business Loan Center and Central Credit Utility) on credit requests and adhere to established Portfolio Management guidelines
2
Responsibilities For Senior Business Banking Relationship Manager Resume
- Achieve credit standards and metrics in regard to asset quality, credit administration (matured/renewals, financial statement documents, covenant data integrity, matured notes and document exception) and RAROC
- Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly
- Monitor status and participate as needed in the Commercial Lending Process
- Remain current on new products, services, and market trends
- 8 am – 5 pm
3
Responsibilities For Business Banking Relationship Manager, Mentor Resume
- Local travel between branches required weekly
- Identifies business needs and corresponding sales opportunities bank-wide and actively promotes ways to increase customer reliance on bank products and services, capitalizing on the unique and comprehensive capabilities of the bank. This would include Deposit Products, Cash Management, Trade Services, Capital Markets products, loan products and personal banking products and services
- Works to achieve win-win in negotiations, rather than taking a win-lose approach. Is able to explain the rationale for pricing decisions. Anticipates questions or objections and formulates responses in advance. Demonstrates expertise with all aspects of the sales cycle, from inception to closing. Crafts unique proposals to meet the complex needs of clients
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