Associate Commercial Relationship Manager

About the Role

The Associate Commercial Relationship Manager serves as an entry-level commercial banking position, combining business development on a small business platform with supporting senior bankers in portfolio management and complex credit functions. This role focuses on driving shareholder value through interest income growth, maintaining credit quality, and collaborating with business partners while controlling expenses. The position manages a loan portfolio of up to $20MM, generates at least $800K in revenue, and handles 75+ bank relationships, or supports senior bankers with larger portfolios.

Responsibilities

• Achieve annual production and growth goals for loans, deposits, and fees to meet financial targets and credit terms.
• Initiate and develop new business through monitored calling efforts or collaboration with senior bankers.
• Ensure ongoing contact with new clients to enhance their experience with First Interstate Bank.
• Analyze client financial data to understand their needs and provide tailored solutions.
• Use internal software to generate leads, track activities, and make referrals to business partners.
• Participate in community organizations to source business opportunities and demonstrate the bank’s commitment to communities.
• Build and maintain a referral pipeline through internal and external networks.
• Develop in-depth knowledge of bank products, competitors, and competitive products.
• Promote bank products and keep clients informed of financial solutions.
• Assemble cross-functional teams to address customer requests.
• Work on complex problems requiring in-depth evaluation of client information alongside senior bankers.
• Maintain follow-up on existing loans to ensure compliance with procedures and terms.
• Research and study economic, financial, and industry trends relevant to business.
• Maintain compliance with bank regulations, policies, and procedures.

Qualifications

• Bachelor’s Degree in Business, Finance, or related field required.
• 1-3 years of experience in credit analysis and commercial underwriting, or equivalent education/experience.

Skills

• Experience in accounting, financial statement analysis, and cash flow analysis.
• Knowledge of commercial lending policies, procedures, practices, and documentation.
• Excellent written and verbal communication skills, including strong presentation abilities.
• Ability to manage customer relationships across the organization.
• Proficiency in Microsoft Word, Excel, and Outlook; PowerPoint experience beneficial.
• Initiative, sound judgment, and adaptability under pressure.
• Ability to analyze financial reports, legal documents, and mathematical concepts.
• Problem-solving skills, including data collection and conclusion drawing.

Benefits

• Generous Paid Time Off (PTO) and paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.

Location: Belle Fourche, SD