Senior Commercial Relationship Manager
First Interstate · Clive, IA · 1 mo ago
On-siteBusiness Development$100/hrFull-time
We need to output HTML fragment with sections: About the role? The posting includes location line, "What’s Important to You" paragraph about benefits, then "SUMMARY", "ESSENTIAL DUTIES AND RESPONSIBILITIES", "QUALIFICATIONS", "PHYSICAL DEMANDS AND WORKING ENVIRONMENT". Also mention benefits: Generous PTO, student debt repayment, 401(k) match, health and happiness of places we call home (maybe community involvement). There's no explicit Pay or Schedule sections; schedule is mentioned in physical demands: Typical Work Hours - M-F (8-5). That's schedule info, we could include a Schedule section if posting actually states it. It does state typical work hours. So we can include a Schedule section with that detail. Benefits: we have PTO, student debt repayment, 401(k) match, health and happiness (community). So we can include Benefits section.
We must not repeat job title as heading. No Job ID. Remove boilerplate: location line maybe keep as part of a short paragraph? The location is "This position is located at our Clive, IA University Ave. branch." That's substantive info; we can include in a maybe.
QUALIFICATIONS: includes KNOWLEDGE, SKILLS AND ABILITIES (list) and EDUCATION AND/OR EXPERIENCE.
We could split: Qualifications heading for education/experience; Skills heading for knowledge, skills and abilities.
PHYSICAL DEMANDS AND WORKING ENVIRONMENT: list of demands.
Schedule: Typical Work Hours - M-F (8-5). Also Travel - as needed maybe part of schedule? Could include travel under Schedule? But schedule heading is for work hours; we can include typical work hours and travel as needed.
Benefits: list of benefits.
Now produce HTML.
We must not include markdown fences. Just raw HTML.
Let's craft:
maybe under About the role? Could be a short paragraph. We need headings: use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We should choose appropriate headings based on content. We have summary (About the role), essential duties (Responsibilities), qualifications (Qualifications), knowledge/skills (maybe Skills), benefits, schedule, physical demands maybe could be part of Requirements? But we can include a Requirements section for physical demands? However guidelines: prefer few substantive sections over many thin ones. Could combine physical demands into Requirements or maybe omit if not needed? But it's substantive. Could include a "Working Conditions" but not in allowed headings list; we can use Requirements for qualifications and maybe physical demands as part of Requirements? But we already have Qualifications heading for education/experience. Could have Requirements for knowledge, skills, abilities? Actually they said use headings like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. So we can map: - About the role: summary + location maybe. - Responsibilities: essential duties. - Requirements: maybe knowledge, skills, abilities? But they also have Qualifications and Skills separate. Could do: - Qualifications: education/experience. - Skills: knowledge, skills and abilities (including technical). - Requirements: maybe physical demands and working environment? Or we could skip Requirements and just have Qualifications and Skills. But they said prefer few substantive sections over many thin ones. We have many sections already: About the role, Responsibilities, Qualifications, Skills, Benefits, Schedule. That's six. Could combine Qualifications and Skills into one? But they'd be thin? Might be okay to keep both. We must not emit a heading followed by filler/placeholder text. All sections have real content. Let's extract content: Location: "This position is located at our Clive, IA University Ave. branch." What’s Important to You paragraph: includes benefits: Generous Paid Time Off (PTO) in addition to paid federal holidays. Student debt employer repayment program. 401(k) retirement plan with a 6% match. The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it. We encourage you to apply... (that's boilerplate). We'll keep benefits sentences. SUMMARY: paragraph about Senior Commercial Relationship Manager role. ESSENTIAL DUTIES AND RESPONSIBILITIES: list of duties (many sentences). We'll convert each sentence into
About the role
This position is located at our Clive, IA University Ave. branch. The Senior Commercial Relationship Manager serves as the Relationship Manager for new and existing complex clients and is responsible for managing a loan portfolio that is greater than $100MM, includes at least 35 bank relationships, and generates at least $1.8MM in revenue to the bank. This position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. This position also develops and grows new business, builds and maintains strong relationships with prospects, and drives financial performance through profitable revenue, growth, and quality credit.
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.
- Builds 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.
- Keeps up to date on regulation changes.
- 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
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.
Skills
- 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.
Benefits
- Generous Paid Time Off (PTO) in addition to paid federal holidays.
- Student debt employer repayment program.
- 401(k) retirement plan with a 6% match.
- Commitment to the health and happiness of the communities we serve.
Schedule
Typical Work Hours: M‑F (8‑5). Travel as needed.
We should also maybe include physical demands? Could be part of Requirements but we didn't include a Requirements section. The guidelines allow Requirements heading; we could add a Requirements section for physical demands and working environment. That would be another section. But we already have many sections; maybe we can incorporate physical demands into Schedule? Not ideal. Better to add a Requirements section for physical demands. Let's add:Requirements
- Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
- Sitting - Frequently
- Standing - Occasionally
- Noise Level - Moderate
- Regular and Predictable Attendance - Required
- Travel - as needed