Senior Commercial Relationship Manager

About the role

This position is located at our Bozeman, MT Main branch.

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.
• Participates 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 centers of influence.
• Develops and maintains an in-depth knowledge of products and services, as well as knowledge of competitors and competitive products.
• Promotes bank products and services and keeps clients informed of financial solutions that First Interstate Bank offers to 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 and 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, ensuring sound asset quality through 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 relevant to existing and new business.
• Maintains compliance with all bank regulations for assigned job function and designated job responsibilities.
• Follows all Bank policies, procedures, and compliance regulations and completes all required annual training.
• May be asked to coach, mentor, or train others.
• Contributes to strategic level discussions with members of the senior management team.
• Acts as the Subject-Matter Expert (SME) when difficult questions arise.
• Provides practical, relevant ideas and perspectives on processes and process improvement.
• Engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.

Qualifications

• Proficient in Microsoft Word, Excel, and Outlook; PowerPoint experience is beneficial.
• Demonstrates initiative and sound judgment.
• Able to prioritize work effectively and remain adaptable under pressure.
• Knowledge may be gained through coursework and on-the-job training.
• 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 apply mathematical concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Able to define problems, collect data, establish facts, and draw valid conclusions.
• Demonstrates advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash flow analysis; completion of formal Credit Analyst training required.
• Possesses strong knowledge of commercial lending policies, procedures, practices, and documentation.
• Exhibits excellent written and verbal communication skills, including strong presentation abilities; able to work effectively with individuals and groups across the organization to manage customer relationships.
• Proficient in the bank’s risk-rating system, credit products, and underwriting policies; possesses working knowledge of structuring credit products for small and medium-sized businesses across diverse industries.
• Experienced in asset-based lending, capital structure finance, and trade finance.

Education and/or Experience

• Bachelor's Degree in Business, Finance, or related field required.
• 10+ years experience in commercial lending, commercial credit underwriting, and/or equivalent combination of education and experience required.