Commercial Relationship Manager

Job Summary

Provides commercial lending activities in compliance with Southside Bank’s policies and procedures. Generates new commercial customer relationships as well as maintains the existing commercial customer base.

Essential Functions

• Develop commercial customer relationships.
• Market Bank products and services.
• Approve customer deposits and checks.
• Attend weekly Director’s Loan Committee meetings and/or monthly Asset/Liability Committee meetings, when requested.
• Underwrite commercial real estate lending.
• Perform light consumer lending.
• Provide investment and working capital lending.
• Participate in and encourage Bank networking.
• Represent the Bank in public, social, and civic gatherings.
• Stay current on regulations, analysis, and banking trends through continuing education classes and seminars.
• Engage in the community to identify and originate personal mortgages (if licensed and trained) at the branch level.
• If licensed and trained, interview residential mortgage loan applicants and gather information to complete loan applications.
• Supervise support staff in work assignments and performance development, including performance appraisals.
• Provide leadership through example and knowledge sharing.
• Maintain positive relationships and promote efficiency among a group of workers.
• Attend various external meetings (e.g., board meetings).
• Maintain confidentiality of all sensitive Bank information.
• Foster a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
• Deliver enthusiastic, professional, and courteous service to customers and employees.
• Participate in proactive team efforts to achieve departmental and company goals.
• Abide by Southside Bank policies and procedures.
• Comply with audit policies and procedures relevant to this position.
• Perform duties in compliance with applicable laws and regulations, including the Bank Secrecy Act (BSA) and anti‑money laundering laws, and adhere to the Bank’s Information Security Program.

Additional Functions

• Comply with all safety policies, practices, and procedures.
• Report unsafe activities to a supervisor or Human Resources.
• Perform additional duties as assigned or directed.

Requirements

• Bachelor’s degree in finance, business, or a related field (preferred).
• Three to five years of direct lending or credit analyst experience focused on commercial/business relationships.
• Extensive knowledge of commercial banking products and services.
• Training and working knowledge of credit analysis and underwriting.
• Sales experience with familiarity in loan processing and closing procedures.
• Post‑graduate banking certificate or training (preferred).

Skills

• Strong ability to build and enhance customer relationships to expand loans and cross‑sell bank products/services.
• Excellent interpersonal, communication, and business relationship skills.
• Ability to read, analyze, and interpret business periodicals, professional journals, technical procedures, and governmental regulations.
• Proficient writing skills for responding to managers, clients, customers, and the public.
• Mathematical competence: calculate discounts, interest, commissions, percentages, area, circumference, volume; apply basic algebra and geometry.
• Problem‑definition, data collection, fact‑establishment, and logical conclusion skills.
• Interpretation of technical instructions in mathematical or diagram form.
• Proficient PC skills: email, record‑keeping, databases, word processing, spreadsheets, graphics, etc.
• Ability to handle multiple projects simultaneously, prioritize, organize, and delegate assignments.

Benefits

• Medical, prescription drug, dental, and vision insurance (eligible on the first day of employment for team members and dependents).
• 401(k) with a match.
• Basic, voluntary, and dependent life insurance.
• Paid time off and paid bank holidays.
• Workplace wellness programs.
• Employee assistance programs.
• Tuition reimbursement.

Schedule

Monday through Friday; 8:00 am – 5:00 pm. Available for overtime as needed.

Physical Demands and Working Conditions

• Manual dexterity sufficient to handle items with fingers; ability to reach and manipulate objects.
• Stationary position required approximately 40% of the time; occasional movement within the office to visit other areas, conference rooms, and equipment.
• Constant operation of a computer, calculator, copy machine, and telephone.
• Frequent communication with colleagues and customers throughout the day.
• Well‑lit, heated and/or air‑conditioned indoor office with adequate ventilation and moderate noise levels.