Relationship Manager III

Principal Responsibilities And Duties

• Build comprehensive financial relationships with existing and prospective clients.
• Analyze a client’s or prospect’s financial condition to determine the risk of credit extensions and recommend appropriate credit structures.
• Lead presentations to CCB leadership and Executive Loan Committee to obtain loan approval.
• Recommend deposit accounts and treasury services to support the client’s cash management needs.
• Secure sufficient collateral and appropriate documentation in accordance with regulatory requirements and bank policy.
• Manage credit exposure within hold limits based on loan grade and participate over hold exposure to other financial institutions.
• Coordinate the loan documentation process via the bank’s electronic credit system.
• Review existing credit relationships to ensure compliance with terms of the Loan Agreement and recognize and act on any developing trends.
• Assess risks associated with construction lending, including proper loan structure.
• Maintain frequent communication with owners, contractors, and title representatives to facilitate project success.
• Create detailed records and reports of activities by entering information into the bank’s CRM system (Salesforce).
• Call on existing clients periodically to maintain the quality of account relationships and assure needs are being met; introduce clients to other departments where a service can be rendered.
• Track activity in the CRM system.
• Make overdraft decisions on all assigned accounts and on non-borrowing clients.

Skills And Abilities Required

• Strong, well-developed interpersonal skills to maximize contacts and develop a working relationship with potential and existing clients.
• A high level of analytical and collaborative skills to conduct analysis and monitor the client’s financial condition, market trends, credit/interest rates, economic conditions, and other factors.
• Effective communication skills including excellent listening skills and the ability to communicate professionally with all levels of an organization both verbally and in writing.
• Advanced knowledge of loan documentation, including participations and other complex documentation structures; where appropriate, an advanced knowledge of underwriting and construction lending techniques for income producing real estate and working knowledge of construction loan administration.
• Ability to work independently with little to no level of guidance and oversight.

Minimum Level Of Preparation And Training

Normally Required: A technical level of knowledge normally acquired through completion of a bachelor’s degree level program in business administration, finance or related area or equivalent experience. Minimum 7 years of commercial lending experience.

Application Process

You can directly apply through Cass's website at https://www.cassinfo.com/careers. Please apply directly to this position via the “Apply” button. You will be required to create an account and provide your resume, contact information and other pertinent employment information. This process typically takes 20 minutes or less. Should we find that you meet the minimum requirement of the position, a member of our recruiting team will be in touch to start the interview process.

About Cass Commercial Bank

Founded in 1906, Cass Commercial Bank is a wholly owned subsidiary of Cass Information Systems, Inc. (NASDAQ: CASS). Headquartered in St. Louis, the Bank is an FDIC-insured institution and a member of the Federal Reserve, providing commercial banking, lending, treasury management, and equipment financing solutions nationwide. For more than a century, we've built our reputation on trusted relationships, financial strength, and personalized service, helping clients succeed through practical, tailored financial solutions. At Cass Commercial Bank, people are at the center of everything we do. We're committed to creating a workplace where employees are supported, respected, and empowered to grow. Our culture is rooted in collaboration, service, integrity, and innovation. Named a 2026 St. Louis Top Workplace, Cass Commercial Bank offers associates the opportunity to do meaningful work, build lasting relationships, and contribute to an organization with a long history of stability and service. Our mission is simple: help clients succeed financially while creating a workplace where employees can thrive personally and professionally.