Virtual Relationship Manager

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Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email:
Job Summary
Under moderate supervision, manage a portfolio of Small Business relationships in a centralized 'virtual' sales environment and ensure retention of total client assets and net growth in relationships, while complying with established Associated Banc-Corp risk management and credit policy, business strategy and regulatory guidelines. Play a vital role in the growth and development of the Branch Business Banking portfolio. The primary role is to proactively reach out, by phone, to develop and deepen relationships through cross-sell of additional products as well as to work with internal partners in the fulfillment of new business. Build deposits, loans, fee income and refer appropriate customers and prospects to Merchant services, Treasury Management, Associated Benefits & Risk Consulting, Consumer Banking and Wealth Management. Part of a dynamic, results-driven, collegial sales team that connects directly with clients via phone, email, chat and other virtual channels. Additionally, provide functional credit support to Branch Managers by supporting new money applications and loan/line renewals. Work with referred customers and prospects to support Branch Managers in the sale and delivery of the bank's lending products. In that capacity, act as a consultative adviser to both the Branch Manager and to the customer/prospect. Specifically, responsible for working with the company to understand its financing needs, identify the proper lending structure, work to complete the credit application and following the application through the credit process. Responsible for maintaining an awareness of the status of each application and for communicating with the applicants and/or the Branch Manager as appropriate during the underwriting process. Must maintain strong internal relationships with Branch Managers, Virtual Relationship Managers, and the Credit Support Services team members.This position is located in a centralized environment and will conduct customer/prospect interactions primarily via telephone and email.

Job Accountabilities

  • Located in a centralized 'virtual' environment, proactively manage a portfolio of Small Business banking relationships leveraging phone, email and chat capabilities to grow lending and deposit business as well as retain the relationships. Responsibilities include achieving sales & calling goals, ensuring portfolio profitability growth and providing a strong consultative customer experience, cross selling all Small Business products, including deposits, lending, basic treasury management, merchant services and consumer banking services.
  • Act as lending subject-matter-expert and support Branch Managers in the Small Business new money lending process. Call referred customers/prospects to collect customer loan documentation, including financials. Assess the information and perform preliminary underwriting in order to recommend and structure a credit request that will meet the customer's needs and ability to repay. This process will include reviewing customer financials, calculating cash flow, and performing other simple analysis in order to assess of the C's of Credit. Complete and enter the customer's lending application, and then submit to Underwriting.
  • Ensure the portfolio administration and risk management of each client relationship is in compliance with established Associated Banc-Corp credit policy, procedure and business strategy as well as commercial and regulatory guidelines. This responsibility includes collaboration with customers and Credit Support Services to process lending renewals in accordance with Associated Bank policy.
  • Maintain strong relationship with internal partners; actively participate with assigned team. Respond to inquiries from Branch Managers, Credit Support Services and customers/prospects in a complete and timely fashion. Act as subject matter expert so as to improve the partners' knowledge of the Small Business Lending products.
  • Collaborate with your internal partners to ensure efficient flow of banking products and services through mutual referral process.
  • Provide financial advice and counsel to clients and prospective clients regarding trends and conditions of the environment and general banking trends though bank approved sources.


  • Bachelor's Degree or equivalent combination of education and experience Business, Finance, or Accounting Required

  • 2-4 years Small Business or Commercial Banking sales experience. Required

Compliance Statement
Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR. Responsible to report ethical concerns as needed to Associated's anonymous Ethics Hotline.

Associated Bank is committed to working diligently with any colleague who needs an accommodation perform the essential functions of the job. Please contact the Leaves & Accommodations office to request an accommodation.

Job Identification 2111407
Job Category null, "RequisitionType" : "Professional", "JobGrade" : "B Rewards Package_170033", "RequisitionId" : 300000889454464
Posting Date 2021-10-15, 13:36
Degree Level Bachelor's Degree or equivalent experience
Job Schedule Full time
Job Shift Day