Commercial Relationship Manager

About the role

Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. The size and complexity of the companies require analytical training and experience necessary to communicate with a business owner/CEO, CFO, or Business Controller.

Duties include developing and managing commercial business relationships, including making loans, obtaining deposit accounts, selling cash management services, and cross-selling other bank services. Provide guidance to credit analysts and/or portfolio managers and promote the bank within the community.

Responsibilities

• Manage and retain profitable client relationships
• Develop new business through active calling on clients and prospects
• Develop and maintain a strong COI’s network
• Use Vertical IQ, Business Browser, or other tools available to research and develop leads
• Manage individual production versus assigned goals
• Recommend structure, terms, and rate for loans being underwritten
• Provide guidance to credit analysts
• Manage loan closing process, including preparing term sheets and commitment letters, as well as communicating with attorneys, appraisers, and related professionals
• Ensure adherence to company loan policies and procedures
• Evaluate risk to meet profitability standards
• Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
• Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable

Requirements

• Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
• Minimum three years’ banking experience in credit analysis or lending
• Capable of analyzing complex financial statements/completion of commercial analyst training program
• Possess effective sales and negotiation skills
• Possess excellent verbal and written communication skills
• Strong customer service skills
• Ability to work independently as well as part of a team
• Self-motivated/takes initiative
• Proficient in Microsoft programs
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
• Must be able to pass a criminal background & credit check

Supervisory Responsibility

This position could manage employees and is responsible for the coaching, development, and performance management of those employees.

Schedule

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

Travel

This position requires up to 20% travel.