VP/Commercial Relationship Manager

About the role

The Commercial Relationship Manager is responsible for managing and growing a portfolio of business clients, developing new relationships, originating commercial loans, increasing deposits, and promoting additional financial services.

Responsibilities

• Build strong relationships with clients and effectively address inquiries or concerns.
• Maintain in-depth knowledge of banking products and services.
• Identify opportunities to promote and cross-sell relevant solutions.
• Deliver a high level of customer service and serve as a role model for others.
• Resolve customer issues and recommend appropriate solutions.
• Manage and grow a commercial loan portfolio with a focus on retention and expansion.
• Analyze financial statements, creditworthiness, and risk to support lending decisions.
• Ensure compliance with credit policies, guidelines, and regulatory requirements.
• Review and verify loan documentation for accuracy and completeness.
• Monitor loan exposure, maturity reports, past-due accounts, and overdraft activity.
• Assist clients with loan modifications or restructuring as needed.
• Proactively identify and pursue new business opportunities.
• Participate in client outreach through calls, meetings, and networking.
• Develop relationships with referral sources and business partners.
• Support sales initiatives and collaborate on client proposals.
• Utilize CRM or loan tracking systems to monitor prospecting activity.
• Work closely with credit and internal teams to align with lending standards.
• Ensure adherence to all internal policies, procedures, and controls.
• Maintain confidentiality of client information at all times.
• Support a culture of integrity, teamwork, and client commitment.
• Maintain organized workspaces and secure sensitive information.
• Follow safety and security protocols, including emergency procedures.
• Perform other duties as assigned.

Qualifications

Education & Experience

• Bachelor's degree in Business, Finance, or a related field preferred.
• Minimum 5+ years of experience in commercial banking or lending, or equivalent combination of education and experience.

Skills & Competencies

• Strong knowledge of commercial lending practices and loan products.
• Excellent financial analysis and credit evaluation skills.
• Effective communication and relationship-building abilities.
• Strong attention to detail, analytical thinking, and problem-solving skills.
• Ability to multitask in a fast-paced environment.
• Understanding of regulatory requirements and compliance standards.
• Proficiency with financial documents and lending systems.
• Strong negotiation and cross-selling capabilities.