Commercial Banking Relationship Manager II

Responsibilities

• Business development with a focus on acquisition of new clients and expanding relationships with existing clients.
• Respond quickly and effectively to all new business referrals from Senior Management, the branch network, or other areas of the bank.
• Develop a network of external referral sources/centers of influence (COIs) to attract new clients.
• Maintain, grow, and service assigned portfolios while appropriately cross-selling other bank products.
• Drive the profitability, quality, and growth of the portfolio.
• Negotiate terms (collateral, covenants, pricing, and other components) of lending agreements with clients/prospects to structure and price credit facilities consistent with the bank's credit policies and lending practices.
• Prepare effective packages for credit approval and present them to the required level of credit authority.
• Ensure the bank possesses current financial information, properly analyzed and on file, and monitor/report changes in credit quality.
• Oversee the loan closing process, attend loan closings, ensure legal documents reflect all agreed-upon terms, and confirm required documents and signatures are in place.

Requirements

• High School diploma or GED.
• Minimum of 5 years of related lending and/or credit experience with community and/or industry involvement in the area.
• Valid driver’s license.

Skills

• Strong and effective interpersonal, presentation, written, and verbal communication skills.
• Proven track record of prospecting new business and enhancing existing relationships.
• Ability to critically review, analyze, and structure commercial loans, cross-sell bank products, and attract new business through effective presentations.
• Strong working knowledge of credit underwriting, basic accounting, and loan documentation (formal credit training preferred).
• Ability to work independently or as part of a team to achieve departmental goals using sound judgment in decision-making.
• Proficient computer skills using Microsoft Word, Excel, Outlook, and prospecting/tracking tools such as Salesforce or nCino.
• Familiarity with professional business practices (time management, communication, and appearance).

Preferred Qualifications

• Bachelor’s degree in Finance, Accounting, or a business-related field.
• Formal Commercial Credit training.