Associate Commercial Relationship Manager

SUMMARY

The Associate Commercial Relationship Manager serves as an entry level commercial banking position with functionality ranging from business development utilizing a small business platform to supporting senior bankers as an apprentice relative to portfolio management and experience with complex credit functions. This role drives shareholder value through a collaborative effort to generate quality earnings through interest income growth, via maintaining margin and credit quality, and non-interest income through collaboration with business partners while simultaneously understanding the importance of expense control.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
• Initiates and develops new business through outside business development activities either through monitored calling efforts utilizing a small business banking platform or collaboration with a Commercial Relationship Manager II or Senior Commercial Relationship Manager.
• Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.
• Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
• Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.
• Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
• Buils client and prospect referral pipeline via identification and development of internal and external center of influence.
• Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products.
• Proactively promotes bank products and services and keeps clients informed of all the financial solutions First Interstate Bank offers to meet their needs.
• Works on complex problems requiring in-depth evaluation of client information in conjunction with Commercial Relationship Manager II and Senior Commercial Relationship Manager.
• Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
• Researches and studies industrial, commercial, economic and financial situations relevant to existing and new business.
• Assembles cross-functional team to respond to customer requests when not able to address requests personally.
• Works on complex problems requiring in-depth evaluation of client information in conjunction with Commercial Relationship Manager II and Senior Commercial Relationship Manager.
• Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities.
• Follows all Bank policies, procedures, and compliance regulations and completes all required annual training.

QUALIFICATIONS

• Experience in accounting, financial statement analysis, and cash flow analysis consistent with job responsibilities.
• Knowledge of commercial lending policies, procedures, practices, and documentation.
• Excellent written and verbal communication skills, including strong presentation abilities.
• Ability to work effectively with individuals and teams across the organization to manage customer relationships.
• Proficiency in Microsoft Word, Excel, and Outlook; PowerPoint experience is beneficial.
• Demonstrates initiative and sound judgment.
• Ability to prioritize tasks and remain adaptable under pressure.
• Ability to read, analyze, and interpret financial reports and legal documents.
• Ability to respond effectively to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
• Ability to work with mathematical concepts such as probability and statistical inference.
• Ability to apply mathematical concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to define problems, establish facts, and draw valid conclusions.
• Ability to interpret a wide variety of technical instructions presented in mathematical or diagram form.