COMMERCIAL BANKING MANAGER

Highland Bank • Saint Paul, MN

9h

About The Position

Under the direction of management, in line with established policies and procedures, this position coordinates and reinforces the sales efforts of the business banking staff, by managing the administrative work and documentation related to commercial banking and lending, as well as providing customer service to the business customer base. The role is an Exempt position, indicating a professional level of responsibility. As a Commercial Banking Manager, the individual is expected to handle more complex loan and deposit accounts, provide training to less experienced associates, and take on increasing leadership roles and responsibilities both internally and externally, including a direct supervisory/management role. Opportunities for expanded responsibilities are also available based on professional growth and development.

Requirements

• A thorough knowledge of bank operations, products and services and regulatory and statutory requirements.
• Maintain a high level of knowledge and regulatory banking compliance to properly perform the duties of this position.
• Strong customer service and interpersonal skills.
• Strong verbal and written communication skills.
• Ability to work independently with little direction and supervision.
• Knowledge of modern office methods and procedures, filing, telephone techniques, as well as spelling, grammar and punctuation.
• Ability to operate standard office equipment.
• Bachelor's degree (B. A.) in Business, Finance, Sales or related field from four-year college or university.
• Three to five years related experience and/or training.

Nice To Haves

• Three to five years of experience with business lending documentation.

Responsibilities

• Provide general customer service to all customers in Commercial Banker portfolios, including responding to inquiries regarding loan activities, real estate items, balances, payoff amounts, interest accruals, and billing statements.
• Approve and open new Commercial deposit accounts, maintain existing account portfolios, and manage daily customer service interactions. Monitor and resolve overdrafts, non-posts, and account exceptions.
• Conduct regular care calls to maintain customer relationships, address service issues, and identify potential sales opportunities. Update customer portfolio records to ensure accuracy.
• Coordinate interactions between account officer, cash management and customer regarding the sale or service of specialized cash management products.
• Perform pre-close and post-close loan reviews for business loan requests, ensuring compliance, regulatory adherence, and lien perfection while minimizing documentation exceptions.
• Maintain the tickler database for required insurance and financial documents, including personal financial statements, tax returns, and annual or interim statements. Provide exception reporting and follow-up support to account officers and contact customers when necessary to collect required information or clear exceptions.
• Assist account officers with annual loan reviews and renewals, including maintaining organized digital credit files, initiating renewal processes with customers, and completing loan documentation and disbursements.
• Identify new business and personal banking opportunities within the Commercial customer base.
• Maintain the privacy and security control of all customer records. Report suspicious activity and security concerns.
• Manage assigned projects related to business banking initiatives and provide backup support to other positions as needed.
• Support, advance, and be responsible for meeting bank and department quality service standards.
• Assist with ordering and reviewing collateral verification documentation.
• Sign Cash Management Agreements.
• Sign Loan Documents (in designated circumstances).
• Handle more complex loan and deposit accounts.
• Provide training duties for new or less experienced Commercial Banking Associates.
• Take on leadership roles and responsibilities, both internally and externally.
• Undertake expanded responsibilities based on professional growth and development.
• Perform a supervisory/management role.

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Dependent Life Package
• Accidental Death and Dismemberment Insurance (AD&D)
• Salary Continuation
• Long-Term Disability
• Voluntary Life Insurance for Employee, Spouse, and Child(ren)
• Voluntary Accidental Death and Dismemberment Insurance (AD&D) for Employee, Spouse, and Child(ren)
• Health Savings Account
• Flexible Spending Accounts
• 401(k) with 4% employer match
• 21 Days of PTO, accrued per pay period
• Employee Incentive Program

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 11-50 employees