Small Business Relationship Manager

Description

At Citizens, we help small business owners navigate change through tailored advice, innovative solutions, and long-term financial partnerships. As a Small Business Relationship Manager in the Virtual Channel, you will manage and grow a portfolio of small business clients by delivering proactive, consultative banking solutions primarily through digital and virtual engagement. This role operates within a disciplined sales culture and plays a critical role in shaping the evolution of a new, technology-enabled relationship management channel.

Key Responsibilities

• Manage a portfolio of approximately 325–350 small business clients with annual revenues between $500K and $5MM, including credit relationships up to $1MM.
• Build deep client relationships through consistent, proactive outreach and structured call preparation.
• Conduct discovery, presentation, and follow-up sales calls to identify needs and recommend appropriate lending, deposit, cash management, and other financial solutions.
• Leverage digital tools and platforms (e.g., Salesforce, Vertical IQ, Teams, VantageLink) to research clients, document activity, and deliver virtual client engagement.
• Lead and coordinate all prospective and active opportunities, serving as the primary client contact and quarterbacking deals across internal partners.
• Collaborate with specialists across lending, cash management, merchant services, payroll, and wealth management to deliver comprehensive solutions.
• Generate referrals and new business through relationship expansion and needs-based conversations.
• Ensure a high-quality client experience by partnering with Relationship Support Specialists, Contact Center teams, and other service partners.
• Complete required administrative, reporting, and compliance activities accurately and on time.
• Provide feedback and insights to help improve processes, tools, and client experience within this evolving virtual channel.
• Work onsite at the assigned Citizens office location; this is not a remote role.

Qualifications

• 2+ years of experience as a Business Banking Relationship Manager or in a related business lending or B2B sales role.
• Strong understanding of business banking solutions, including credit, deposits, and cash management, with the ability to assess client needs and recommend appropriate products.
• Demonstrated sales success in a goal-oriented, fast-paced environment with measured routines and targets.
• Comfortable using technology and digital tools to manage client relationships and collaborate with partners.
• Strong credit acumen and ability to work effectively with underwriting partners.
• Proven ability to build and sustain client relationships through excellent written, verbal, and interpersonal communication skills.
• Self-motivated, adaptable, and collaborative, with the ability to thrive in a team-based sales culture.

Education

• Bachelor’s degree required, or an equivalent combination of education and relevant experience.

Hours and Work Schedule: 

• Hours per Week: 40
• Days: Monday - Friday on site.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.