Commercial Relationship Manager

Position Summary

Responsible for developing new business as well as maintaining and servicing a commercial loan portfolio. Represent the bank in its market area through active participation in community affairs.

Essential Duties And Responsibilities

• Develop and manage a portfolio of business banking relationships, ensuring high-quality service, retention, and growth.
• Identify client needs and recommend appropriate credit, deposit, and treasury solutions through structured interviews, financial analysis, and consultative conversations.
• Generate new commercial relationships through proactive business development, including networking, referrals, outbound calling, and active participation in community and industry events.
• Structure and present commercial credit requests, ensuring compliance with bank policies, regulatory requirements, and sound credit principles.
• Manage the full credit lifecycle, including renewals, modifications, annual reviews, covenant monitoring, and collection activities when necessary.
• Collaborate with internal partners such as credit, treasury management, retail banking, and operations to deliver seamless client experiences.
• Maintain strong working relationships with centers of influence, including accountants, attorneys, real estate professionals, and community organizations.
• Exercise sound judgment and decision-making in credit recommendations, portfolio management, and customer interactions.
• Perform other duties as assigned to support departmental and organizational goals.

Minimum Qualifications (Knowledge, Skills, and Abilities)

• Bachelor’s Degree in Business Administration or related field; or equivalent work experience and/or a combination of both.
• Minimum of five years of experience in Commercial Lending with a preference for existing experience within service area and Credit training.
• Ability to generate new loan growth.
• Strong written and verbal communication skills along with proficiency in Microsoft Office Suite of Products/Programs.
• Ability to read, analyze, and interpret policies, contracts, credit, and financial documents as well as other legal documents as needed.
• Ability to present, sell, and service bank products as well as demonstrate professional knowledge of commercial lending.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.
• Willingness to attend functions and meetings outside normal working hours.

Benefits

• Competitive salary
• 401(k) Employee Stock Ownership Plan
• Health/Dental/Vision insurance
• Bank paid Life Insurance
• Paid Holidays
• Paid time off
• Opportunity for advancement

Physical Demands and Work Environment

• Regularly required to talk or hear.
• Frequently required to use hands or fingers, handle or feel objects, tools, or controls.
• Occasionally required to stand; walk; sit; and reach with hands and arms.
• Occasionally lift and/or move up to 20 pounds.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Must have flexibility to deal with changing work hours and locations as needed.
• The noise level in the work environment is usually low to moderate.