Commercial Relationship Manager

Responsibilities

• Expand, manage, and optimize a portfolio of commercial clients.
• Lead and participate in acquisition and documentation of loan and deposit transactions.
• Credit applications and credit administration.
• Properly structure and price loan, deposit, and TM transactions/relationships.
• Present credit requests to senior management and/or the company’s Loan Committee for review and approval.
• Manage all aspects of client relationships consisting of the portfolio loans, deposits, and other products.
• Refer other traditional non-loan banking services to team members specializing in Wealth Management, Residential Mortgages, Treasury Management Services and appropriate banking opportunities to other departments and personnel.
• Participate in new business development programs and acquire new clients.
• Interview commercial loan and deposit applicants.
• Structure and analyze new and renewed loan requests and make loans within lending authority.
• Close loans and new deposit relationships.
• Complete file documentation.
• Monitor compliance with loan policies and appropriate regulations.
• Assign appropriate risk grades to loans and relationships.
• Collect past due loans, unless assigned to the centralized collectors.
• Handle customer service matters and inquiries for lending and non-lending issues.
• Send financial statements to the credit analysts for spreading and analysis.
• Maintain and evaluate the performance of direct reports.
• Provide informal training and guidance for less experienced lenders.
• Participate in community activities and organizations.
• Referral appropriate banking opportunities to other departments and personnel.
• Cross-sell all company products and services.

Requirements

• Bachelor’s Degree in Business Administration, Economics, Finance, Mathematics or Statistics with a minimum of 12 semester hours of Accounting; Master’s Degree or MBA preferred.
• 5+ years of account relationship management experience.
• 5+ years of relationship management experience with the majority of the time spent in commercial lending and/or agriculture related lending activities preferred.
• 5+ years of relationship management experience around deposits and TM.
• Formal credit training such as RMA, Omega CLB, or Regional or State Banking School preferred.
• Must be proficient in Microsoft Office Suite and Excel and Word specifically.
• Must possess sales and leadership abilities.
• Able to work flexible hours.

Qualifications

Equal Opportunity Employer: Minorities/Females/Disabled/Veterans

Benefits

People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates Enjoy Outstanding Benefits, Including:

• 401(k) Plan with 6% Match
• Health/Dental/Vision Insurance
• Company-paid Life Insurance
• Tuition Reimbursement
• Fitness Reimbursement
• Paid Time Off
• Volunteer Leave
• Paid Holidays
• Plus many associate perks & incentives!

Schedule

Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds.

Pay

The salary range for this position is $150,000 to $275,000 depending on knowledge, skills, abilities, experience, and location.