Commercial Relationship Manager II

Summary

The Commercial Relationship Manager II serves as the Relationship Manager for new and existing complex clients and is responsible for managing a portfolio with an average loan portfolio greater than $50MM, up to $100MM, and manages at least 35 bank relationships generating at least $1.5MM in revenue to the bank.

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.
• Sets up and maintains 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.
• Participates actively in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
• Buils client 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 financial solutions First Interstate Bank offers that meet their needs.
• Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally.
• Knows 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 and issues to ensure sound asset quality, including underwriting, structuring, and portfolio management activities; ensures 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 designated job responsibilities, which includes keeping up to date on regulation changes and following all Bank policies, procedures, and compliance regulations while all required annual training.
• May be asked to coach, mentor, or train others.
• Contributes to strategic level discussions with members of the senior management leadership team.
• Recognized as a Subject Matter Expert when difficult questions arise.
• Provides practical, relevant ideas and perspectives on processes or process improvement.
• Actively engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.

Qualifications

• Demonstrates 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.
• Proficient with 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.
• Works effectively with individuals and teams across the organization to manage customer relationships.
• Exhibits excellent written and verbal communication skills, including strong presentation abilities.
• Proficient in 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 probability and statistical inference.
• Able to apply mathematical concepts—including fractions, percentages, ratios, and proportions—to practical situations.
• Able to define problems, collect data, establish facts, and draw valid conclusions.
• Able to interpret a wide variety of technical instructions presented in mathematical or diagram form and work with both abstract and concrete variables.
• Education And/Or Experience:
  • Bachelor's Degree in Business, Finance, or related field required.
  • 7-9 years in commercial lending, commercial credit underwriting, or equivalent combination of education and experience required.
  • Completion of formal Credit Analyst training required.
  • Experience in asset-based lending, capital structure finance, and trade finance required.

Physical Demands And Working Environment

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently.
• Sitting - Frequently.
• Standing - Occasionally.
• Noise Level - Moderate.
• Typical Work Hours - M-F (8-5).
• Regular and Predictable Attendance - Required.
• Travel - as needed.

Compensation & Benefits

• Compensation range: $139,080 - $229,560 per year in WA.
• Benefits available for this position 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.
• Please note this information is provided for those hired in Colorado and Washington only, and this role is open to candidates outside of Colorado and Washington with compensation that aligns with your location.
• For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php.

Note

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.