Commercial Relationship Manager (CRE Lending)

Develop and manage a portfolio of high-quality commercial loans while ensuring compliance with the Bank’s credit policies, regulatory requirements, and risk appetite. Generate new business, deepen existing client relationships, and contribute to the overall growth and profitability of the Bank’s commercial lending division.

About the Role

• Typical loan size: $1M–$10MM
• Typical deal complexity: Moderate to High (C&I, CRE, construction, and owner-occupied real estate)
• Portfolio composition: Mix of lower middle market income-producing CRE

Responsibilities

• Perform any function, within scope of authority and expertise and in conformance with established Bank policies, strategies, and procedures, to provide the highest level of service and responsiveness to customers.
• Originate new commercial lending opportunities primarily focused on investment real estate through proactive business development, networking, and referral source cultivation.
• Identify client credit needs and recommend appropriate lending products (CRE, construction, etc.).
• Manage an assigned portfolio of commercial relationships, monitoring credit quality and performance indicators.
• Meet or exceed annual production, revenue, and portfolio growth goals.
• Analyze financial statements, tax returns, global cash flow, collateral, industry trends, and borrower/guarantor creditworthiness.
• Direct the preparation of comprehensive credit memos consistent with Bank standards, including risk rating recommendations and covenant structures.
• Structure loan terms that balance client needs with risk management.
• Work closely with Credit Administration and Loan Operations to ensure complete, accurate, and timely underwriting and documentation.
• Conduct periodic borrower reviews, site visits, and annual credit renewals.
• Proactively identify deteriorating credits, recommend appropriate action plans, and work with internal stakeholders on remediation.
• Serve as the primary point of contact for borrowing and deposit clients, providing exceptional service and responsive communication.
• Cross-sell treasury management, deposit, 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 required.
• 7–15 years of commercial lending, credit analysis, or relationship management experience in a financial institution; experience with a 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, USDA, 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 are expected to:

• Operate fingers and hands for typing, writing, and filing.
• Move throughout the office with ease and sit for extended periods.
• See and hear in an office setting with ambient noise.
• Occasionally transport up to 20 pounds.

Pay

$119,339.72 - $182,987.96 per year.