2604-4 Commercial Lender (Relationship Manager)

Key Responsibilities

• Originate new commercial relationships through consistent calling efforts, networking, and in-person client engagement
• Manage and grow a commercial loan portfolio with focus on structure, pricing, and credit quality
• Analyze borrower financials, including cash flow, global cash flow, and repayment capacity
• Structure and present credit opportunities with clear identification of risk and mitigants
• Serve as primary relationship manager throughout the full lending cycle (origination ? closing ? renewal)
• Maintain ongoing client contact to retain and expand relationships
• Monitor portfolio performance, including past dues, covenant compliance, and risk trends
• Identify opportunities to deepen relationships through deposits and treasury management services

Candidate Profile

• Preferred:
• - 6–10+ years of commercial lending experience
• - Demonstrated ability to originate and manage a commercial loan portfolio
• - Existing client relationships, referral sources, or portable book of business strongly preferred
• - Proven track record of sustained production and relationship growth
• Also Considered:
• - Developing lenders with a combination of credit and lending experience who:
• - Have been directly involved in structuring and executing transactions
• - Show clear evidence of business development initiative
• - Are actively working toward building their own portfolio of relationship

What Sets Strong Candidates Apart

• Can clearly walk through deals they’ve originated or structured, including credit rationale
• Demonstrates a pattern of proactive relationship building, not just responding to opportunities
• Has developed (or is actively developing) centers of influence and referral networks
• Shows accountability for both production and portfolio performance
• Understands how to build long-term relationships, not just close transactions

Additional Consideration

• Candidates should be prepared to discuss their current or recent portfolio composition, business development approach, and specific examples of client relationships or transactions they have led or materially contributed to