PRINCIPAL BUSINESS REL MGR Job in Wilmington, Delaware US
PRINCIPAL BUSINESS REL MGR
Effectively acquires, manages and grows profitable account relationships with an extensive percentage of complex and large sized business customers that have annual gross sales of generally more than $2MM and less than $20MM. Ensures the overall success growth of an assigned portfolio by deepening relationships of existing customers and through the acquisition of new customers. Proactively partners with existing customers in order to fully understand their businesses, goals, strategies and challenges. Accurately assesses their financial needs for the purpose of formulating a business plan and delivering an effective variety of financial products and services in order to help the customer succeed financially. Performs effective financial analysis and underwriting in the areas of credit, cash flow and collateral. Effectively partners with other Bankers and lines of business to deliver the full complement of Wells products and services. May structure and complete straight forward secured and unsecured business loans. Typically provides guidance to Business Relationship Managers and Senior Business Relationship Managers. Basic Qualifications: 8+ years business banking sales and credit related experience. Minimum Qualifications: Demonstrated sales experience, negotiation skills, leadership skills, portfolio management skills, and accounting and/or finance acumen. Excellent communications skills. Commercial credit underwriting. Mentoring and/or coaching experience. Minimum 8 years current and/or recent business or commercial banking experience required. Completion of formal commercial credit training program or equivalent experience is required. Long term track record of superior financial sales performance and excellent knowledge of general banking concepts required. Must be a high energy individual committed to a high level of calling activity. Ability and strong desire to interact with customers on a daily basis, including strong oral and written communication skills. Capable of organizing, facilitating, leading, negotiating and partnering with a team of bank personnel to solve customers problems. Ability and strong desire to be sought out by customers and prospects as a consultative business partner. Strong customer needs assessment and problem solving skills. Excellent communication and organizational skills. Must be meeting/exceeding current production goals with a strong drive to succeed. Preferred Skills: Undergraduate degree in business /accounting or finance related area preferred. The ideal candidate will have an established network within this market and have experience working within a mid-large sized financial institution. 2-3 years direct commercial credit underwriting experience and risk portfolio. Strong Business to Business acquisition sales experience, complex portfolio credit skills, successful history of book management, retention, deepening and enhancing portfolio.