Commercial Relationship Manager

Responsibilities

• Develops and maintains commercial client relationships while advancing portfolio growth and profitability.
• Provides a variety of commercial loan products and services based on the complexity of customers' needs.
• Works closely with multiple BayFirst strategic partners to execute comprehensive commercial banking relationships, including deposit and treasury services.
• Maintains commercial customer relationships by identifying financial needs, delivering solutions to meet those needs, and providing excellent customer service.
• Develops new and existing deposit and credit customer relationships through networking, cross-selling opportunities, and referrals to and from business and personal product partners across BayFirst.
• Collaborates with Branch Managers, Treasury Services, and Market Executives to cultivate full-service banking relationships with customers.
• Achieves and exceeds established goals in loans, deposits, fee income, and referrals by leveraging strong customer relationships and proactive business development strategies.
• Manages transaction processes from initial contact through close, including client needs assessment, proposal development, credit analysis, underwriting, and documentation.
• Drives community presence through networking events, promotional activities, and strategic partnerships.
• Maintains extensive knowledge of BayFirst’s financial products and services to provide tailored solutions that meet diverse client needs and drive long-term relationship growth.
• Manages portfolio performance by requesting and reviewing annual financial statements and covenant ticklers; performing site visits; and monitoring loan quality, deposit growth, and fee income to ensure profitability and minimize risk.
• Serves as the commercial banking expert for the regional market.

Qualifications

• Bachelor’s degree in finance, business administration, or a related field.
• 3-5 years’ experience in commercial lending.
• Experience in commercial portfolio management preferred.
• Strong knowledge of credit analysis/underwriting processes and procedures.
• Excellent verbal and written communication skills with strong negotiation skills.
• Demonstrates strong problem-solving and organizational skills.
• Promotes a positive work environment.
• Able to work in a fast-paced environment where changes to procedures are common.
• Able to communicate in a respectful and assertive manner.
• Able to multitask and prioritize responsibilities.
• Able to work independently with minimal supervision.
• Demonstrated ability to meet and exceed sales goals.
• Proven decision-making ability.