Commercial Relationship Manager III

About the role

As a Commercial Relationship Manager III, you will play a key role in expanding the bank's commercial portfolio while delivering tailored financial solutions that help businesses grow and succeed.

Responsibilities

• Develop new business relationships: Prospect, cultivate, and grow relationships with new and existing commercial clients to expand loan and deposit portfolios.
• Originate commercial loans: Structure and present lending solutions that align with client needs and Bank policies.
• Underwrite credit requests: Analyze financial statements, cash flow, and collateral to assess risk and determine appropriate loan structures.
• Close and manage loans: Oversee the full loan lifecycle from approval through closing, ensuring compliance with all regulatory and Bank requirements.
• Build deposit relationships: Identify and deliver deposit and treasury solutions that strengthen client relationships and support growth.
• Manage portfolio performance: Monitor credit quality, maintain accurate risk ratings, and ensure ongoing compliance within your portfolio.
• Advise business clients: Provide insight on business trends, financial strategies, and economic conditions impacting client operations.
• Execute sales strategies: Develop and maintain client call plans, conduct sales presentations, and drive consistent pipeline activity.
• Cross-sell banking solutions: Identify opportunities to connect clients with additional products and specialized banking services.
• Collaborate across teams: Partner with credit, treasury, retail, and other internal teams to deliver comprehensive client solutions.
• Maintain client records: Ensure all customer files, documentation, and reporting are accurate and up to date.

Requirements

• Bachelor’s degree in Business, Finance, Accounting, Economics, or related field preferred.
• Minimum of 10 years of experience in commercial lending, credit analysis, audit, or finance.
• Proven ability to develop new business, cultivate referral sources, and grow client relationships.
• Experience managing complex credits and working independently in a results-driven environment.
• Strong understanding of commercial lending principles, underwriting, and risk management.
• Demonstrated ability to meet or exceed sales goals, including prospecting and client retention.
• Excellent communication, relationship-building, and problem-solving skills.
• Ability occasionally to work at various locations within driving distance.
• Ability to work in a fast-paced, time-sensitive environment with a flexible schedule.
• Ability to remain in a stationary position for up to 75% of an eight (8) hour workday.
• Ability to review information and details at close range (within a few feet).

Qualifications

• Must be able to work at various locations within driving distance.
• Must be able to work in a fast-paced, time-sensitive environment with a flexible schedule.
• Must be able to remain in a stationary position for up to 75% of an eight (8) hour workday.
• Must be able to review information and details at close range (within a few feet).

Skills

• Commercial lending principles
• Underwriting and risk management
• Client relationship management
• Sales and presentation skills
• Financial analysis and decision-making

Benefits

• Competitive Pay & Benefits: Medical, dental, vision, and employer-paid life and disability insurance.
• Financial Perks: 401(k) match, Employee Stock Ownership Program (ESOP), and banking benefits.
• Work-Life Balance: Paid time off, including 11 Federal Reserve bank holidays.
• Growth Opportunities: Tuition assistance and professional development programs.
• A Supportive Culture: Integrity, collaboration, innovation, and respect are at the heart of what we do.

Pay

Competitive pay based on experience and qualifications.

Schedule

Hybrid schedule with some travel required.