Commercial Relationship Manager - CRE

About the role

This position is located at our Denver, CO Cherry Creek branch.

Essential Duties And Responsibilities

• Achieves individual annual production and growth goals for loan, deposits and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
• Initiates and develops new business through outside business development activities.
• Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.
• Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
• Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.
• Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
• Buils client and prospect referral pipeline via identification and development of internal and external center of influence.
• Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products.
• Proactively promotes bank products and services and keeps clients informed of all the financial solutions First Interstate Bank has to meet their needs.
• Assembles cross-functional team to respond to customer requests when not able to address requests personally.
• Recognizes when and how to bring in teams of experts, as well as identify cross-sell opportunities.
• Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
• Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.
• Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
• Researches and studies industrial, commercial, economic and financial situations relating to existing and new business.
• Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities, which includes keeping up to date on regulation changes and following all Bank policies procedures and compliance regulations and completes all required annual training.
• Actively engages, demonstrates and fosters the First Interstate Bank Mission, Vision and Values by executing the Service Commitments.

Qualifications

• Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash flow analysis.
• Possesses strong knowledge of commercial lending policies, procedures, practices, and documentation.
• Demonstrates understanding of the bank’s risk-rating system, credit products, and underwriting policies; has working knowledge of structuring credit products for small and medium-sized businesses across diverse industries.
• Demonstrates proficient written and verbal communication skills, including strong presentation abilities.
• Works effectively with individuals and teams across the organization to manage customer relationships.
• Proficient with Microsoft Word, Excel, and Outlook; PowerPoint experience is beneficial.
• Displays initiative and sound judgment.
• Able to prioritize tasks and remain adaptable under pressure.
• Able to read, analyze, and interpret common financial reports and legal documents.
• Able to respond effectively to inquiries or complaints from customers, regulatory agencies, or members of the business community.
• Able to work with mathematical concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Able to define problems, establish facts, and draw valid conclusions.
• Able to interpret a wide range of technical instructions presented in mathematical or diagram form and to work with abstract and concrete variables.
• Education and/or Experience: Bachelor's Degree in Business, Finance, or related field required. 4-6 years experience in commercial lending, commercial credit underwriting, or the equivalent combination of education and experience required.

Physical Demands And Working Environment

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

Compensation & Benefits

We offer a competitive total compensation package including base salary and benefits. The pay range for this position is $91,300 to $150,700 per year in CO and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Benefits include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php.