Short description
Join the team providing financial solutions to large, profitable businesses across the country at an innovative bank.
You are customer focused, build relationships and provide financial advice to your clients. A role as a Business Relationship Manager is for you.
As a Business Relationship Manager Senior (BRM Sr.),Deepening banker, you'll be managing a portfolio of large profitable business clients with annual revenue greater than $5MM. You will focus on deposit acquisition, product deepening, client retention and growth, and gaining referrals to increase primary bank share. As a Sr. Deepening banker, you will provide a high-touch experience by building relationships and providing financial advice with a focus on client experience and risk management. Business Banking is looking for an Deepening banker to retain and deepen existing relationships and leverage referrals to acquire new relationships.
Job responsibilities
- Manage, retain and deepen a portfolio of approximately 100 business clients in stable/mature stage with annual revenue greater than $5 million; provide business deposit and cash management solutions and manage business credit opportunities up to approximately $15 million; provide support to branch-based business bankers on sizeable business credit deals as needed.
- Deliver an outstanding experience to Chase business clients by providing comprehensive and customized business banking solutions tailored to the financial needs and circumstances of their businesses. Use knowledge of business, finance, banking, credit and risk management, and state requirements while leveraging relationships, to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio. Leverage digital tools to ensure client is versed on self-service options.
- Understand the personal financial goals and needs of the business owner(s). Utilize knowledge of core Consumer products and partner with Branch to identify and deliver appropriate personal financial solutions e.g. consumer Demand Deposit Account, consumer credit card, mobile and digital solutions. Utilize knowledge of diverse types of businesses, industries, markets, financial and economic concepts to identify and provide appropriate solutions to a variety of clients and businesses
- Build collaborative relationships and partner with specialists across JPMorgan Chase, including Branches, Home Lending, Chase Wealth Management, Merchant Services, Card, Commercial Bank and Private Bank to pair clients with experts on certain products as needed e.g. mortgage, home equity, investments.
- Protect the firm by following sound risk management protocols and control policies and adhering to regulatory requirements. Escalate issues as identified.
- Utilize knowledge of treasury products to onboard clients seamlessly and ensure end-to-end delivery of new accounts and full suite of digital cash management products and services; follow up with clients after account opening to determine appropriate additional solutions and establish digital capabilities. Use sound judgment and risk management to resolve client issues and implement solutions end-to-end by making decisions on behalf of the client e.g., authorize wire release on behalf of client, serve as their proxy in fraud situations, obtain additional information as needed.
- Deepen existing relationships through regular client calling to understand the needs of the business and its owner(s) and develop the full financial relationship - business and personal - to ensure a seamless client experience throughout Chase. Regularly conduct in-person/virtual calls with existing clients, referrals and centers of influence at their places of business, looking for ways to cultivate long-term, primary banking relationships.
Required qualifications, capabilities, and skills
- 7 or more years of experience in a Business Banking Relationship Management role or related business lending experience.
- Strong knowledge of deposit and cash management products and services, and knowledge of business credit underwriting with commercial credit training.
- Demonstrated ability to anticipate clients' issues, own problems on clients' behalf, and follow through with commitments. Excellent communication skills with individuals at all levels, internally and externally. Proficiency in building and maintaining positive relationships with clients and internal partners. Ability to influence others to achieve desired outcomes, and leverage technology to interact with clients effectively and efficiently.
- Uses seasoned judgment to offer comprehensive and customized solutions that best meet client needs; monitors and researches market/industry trends and business outcomes to anticipate client needs; presents proactive solutions and innovative alternatives when appropriate.
- Excellent organizational skills and the ability to manage, prioritize, work under pressure and meet tight deadlines.
- Self-directed, proactive, and creative; uses sound judgment and navigates ambiguity to get things done.
- Ability to balance needs of clients with associated risks and interests of the firm.
Preferred qualifications, capabilities, and skills
- Bachelor's degree in Finance or related field, or equivalent work experience strongly preferred.
- Proficient in Microsoft Office tools including Outlook, Excel, Word, and PowerPoint.
- In-depth knowledge of diverse types of businesses, industries, markets, financial and economic concepts.
