Commercial Banking Relationship Manager
Wsfs Financial

Job Description

At WSFS Bank, we empower our Associates to grow their careers, guide our customers to secure their financial futures, and actively support our Communities so they can fully thrive. Careers with WSFS Bank offer an inclusive and supportive culture, competitive salaries, advancement opportunities, and more. We are the region's locally headquartered bank and wealth management company. We are honored to consistently be named a Top Workplace by our Associates, who make a difference every day for the people, businesses, and Communities we serve. We Stand For Service® is more than part of our name, it's our mission and our purpose.

The Relationship Manager manages commercial banking relationships for companies with annual sales greater than $2.5 million and total business credit greater than $1 million. The incumbent has overall responsibility for retaining and expanding existing commercial relationships, as well as developing new commercial relationships. This may involve the sale and servicing of credit and non-credit products. The incumbent attends to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by mortgages and other business collateral. Additionally, the incumbent will sell and service non-credit products, including corporate cash management and online banking services. This position serves as the "gatekeeper" for other Bank products and services. The incumbent will interview customers and prospects to understand information concerning their business needs, financial condition, and performance to determine whether a loan may be an acceptable risk as defined by the Bank's credit policy.

Job Responsibilities:

• Partners with credit Associates, such as Portfolio Managers, in the development and analysis of financial background data for new or renewed loans.
• Makes decisions on loans and terms within assigned individual lending limits, partners with line of business or credit administration personnel to approve credit under dual signature authority or makes recommendations to senior loan committee for approval.
• Calls on businesses to develop new relationships with prospective clients, as well as retain existing business, and promote additional bank services to current clients.
• The position relies on self-generated referral sources (I.e. CPAs, attorneys, business brokers) to develop new opportunities.
• Track existing loan portfolio to ensure complete conformity with terms and covenants.
• Monitors and identifies developing trends or early warning signs of problem credits, performs timely risk assessment based upon this information, and updates loan systems and customer credit files with assessments.
• Responsible for performing annual reviews of their assigned portfolio manager.

Minimum Qualifications:

• Bachelor's Degree is required, preferably in a business-related field.
• Strong knowledge of commercial and consumer loan and deposit products is required.
• Commercial loan training, consisting of financial statement analysis, loan structuring, and training is required.
• Must have a minimum of 5 years of experience in commercial lending and banking.
• Must have superior Customer Service skills.
• Must be proficient in using Microsoft Office, including Excel.
• Excellent oral and written communication skills are required.

WSFS Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the WSFS Bank Careers website or submission process, please contact us via email at careers@wsfsbank.com.

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.

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