Commercial Relationship Manager (C&I Lending)

About the role

The C&I Commercial Relationship Manager develops and manages a portfolio of high-quality C&I commercial loans ($1M–$10MM, moderate-to-high complexity) while ensuring compliance with the Bank’s credit policies, regulatory requirements, and risk appetite. The role drives new business, deepens client relationships, and contributes to the growth and profitability of the Bank’s commercial lending division.

Responsibilities

• Originate new C&I-focused commercial lending opportunities through proactive business development, networking, and referral-source cultivation.
• Build and manage a portfolio of commercial relationships; monitor credit quality and present data and recommendations to leadership.
• Meet or exceed annual production, revenue, and portfolio-growth goals.
• Analyze financial statements, tax returns, collateral, industry trends, and borrower/guarantor creditworthiness.
• Direct the preparation of comprehensive credit memos consistent with Bank standards, including risk-rating recommendations and loan/covenant structures.
• Structure loan terms that balance client needs with risk management.
• Collaborate with Credit Administration and Loan Operations to ensure complete, accurate, and timely underwriting and documentation.
• Proactively identify deteriorating credits, recommend action plans, and work with internal stakeholders on remediation.
• Serve as the primary point of contact for borrowing and deposit clients, delivering exceptional service and responsive communication.
• Identify cross-sell opportunities—treasury management, deposits, and other Bank products—to maximize relationship profitability.
• Maintain strong working relationships with internal partners to ensure seamless client experiences.

Requirements

• Bachelor’s degree in finance, business, accounting, or related field.
• 7–15 years of commercial lending, credit analysis, or relationship management experience in a financial institution; community-bank or regional-bank credit culture preferred.
• Formal credit training or completion of a commercial credit program preferred.
• Proven ability to source new business and manage a commercial loan portfolio.
• Strong financial-statement analysis skills, including cash-flow analysis and collateral evaluation.
• Knowledge of commercial loan structures, credit risk management, and regulatory requirements.
• Familiarity with SBA and other government-guaranteed lending programs preferred.
• Excellent communication, negotiation, and presentation skills.
• Proficiency with loan origination systems, Microsoft Office, and financial analysis tools.

Physical Demands

This is an office-based position. Employees must be able to operate fingers and hands for typing, writing, and filing; move throughout the office; and sit for extended periods. Visual and auditory acuity is required in a moderately noisy setting. Occasional transport of up to 20 pounds may be required.

Pay

$119,339.72 – $182,987.96 per year.