Associate Commercial Relationship Manager

First Interstate BancSystem•Brookings, SD

7d•Onsite

About The Position

The Associate Commercial Relationship Manager is an entry-level commercial banking role combining business development through a small business platform with support for senior bankers in portfolio management and complex credit functions. The position contributes to shareholder value by generating quality earnings through interest income growth, maintaining margin and credit quality, collaborating with business partners to generate non-interest income, and controlling expenses. The role may manage an average loan portfolio of up to $20 million, generate at least $800,000 in bank revenue, and manage at least 75 bank relationships, or support a Commercial Relationship Manager II or Senior Commercial Relationship Manager with a loan portfolio exceeding $50 million. The position may be located at the Yankton or Brookings, South Dakota branch.

Requirements

Bachelor’s degree in Business, Finance, or a related field.
1–3 years of experience in credit analysis and commercial underwriting, or an equivalent combination of education and experience.
Experience in accounting, financial statement analysis, and cash flow analysis consistent with the job responsibilities.
Knowledge of commercial lending policies, procedures, practices, and documentation.
Excellent written and verbal communication skills, including presentation abilities.
Ability to work effectively with individuals and teams across the organization to manage customer relationships.
Proficiency in Microsoft Word, Excel, and Outlook.
Demonstrated initiative and sound judgment.
Ability to prioritize tasks and remain adaptable under pressure.
Ability to read, analyze, and interpret financial reports and legal documents.
Ability to respond effectively to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
Ability to work with mathematical concepts such as probability and statistical inference, and apply fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to interpret technical instructions presented in mathematical or diagram form.
Ability to meet the position’s physical demands, including frequent hand and finger dexterity for computer use and frequent sitting; standing occurs occasionally.
Regular and predictable attendance is required; travel is as needed.

Nice To Haves

PowerPoint experience is beneficial.

Responsibilities

Achieve individual annual production and growth goals for loans, deposits, and fees while ensuring compliance with credit terms and contributing to the bank’s financial targets.
Initiate and develop new business through outside business development, monitored calling efforts using a small business banking platform, or collaboration with more senior relationship managers.
Maintain ongoing contact with new clients to enhance their experience with First Interstate Bank.
Analyze personal and business financial data, conduct relationship reviews and meetings, and develop a comprehensive understanding of client needs.
Use internal customer sourcing software to generate leads, track activities, and make referrals to business partners and bankers.
Participate in community organizations to identify business development opportunities and demonstrate the bank’s commitment to its communities.
Build a referral pipeline by identifying and developing internal and external centers of influence.
Maintain in-depth knowledge of bank products, services, competitors, and competing products; promote bank solutions and inform clients about offerings that meet their needs.
Assemble cross-functional teams to respond to customer requests that cannot be addressed personally.
Work with Commercial Relationship Manager II and Senior Commercial Relationship Manager colleagues on complex problems requiring in-depth evaluation of client information.
Follow up on existing loans to ensure compliance with internal procedures and other required terms.
Research and study industrial, commercial, economic, and financial conditions relevant to existing and prospective business.
Demonstrate and foster the bank’s Mission, Vision, and Values by executing its Service Commitments.
Maintain compliance with applicable bank regulations and policies, complete required annual training, and follow procedures and compliance requirements.