Commercial Banking Relationship Manager III
About The Position
Serves as the key banking relationship manager for assigned commercial client relationships, with responsibility for prospecting new business and deepening client relationships in partnership with the Commercial Banking team. Acts as a trusted advisor to executive-level client contacts, assessing their broader banking needs and providing customized insights and solutions. Drives financial performance through profitable revenue growth and quality credit, generally supporting a large portfolio of complex and/or upper-market commercial clients. Leads business development by developing a holistic understanding of clients’ and prospects’ businesses and industries, maintaining referral networks, and identifying opportunities to expand relationships. Assembles cross-functional teams and works with internal experts to respond to client needs and present the breadth of the bank’s solutions. Balances active prospecting with client maintenance and portfolio management. Makes loan and terms decisions within established lending limits, analyzes creditworthiness, monitors existing loans for compliance, and assesses relevant middle-market industrial, economic, and financial conditions. Participates in community organizations to source business development opportunities. Complies with bank policies, regulations, and required training, including applicable Bank Secrecy Act, Regulation CC, Regulation E, and security requirements. May coach, mentor, or train others, and may perform other duties as assigned. The role is fully onsite at the posted Salt Lake City location and requires frequent travel.
Requirements
- More than 10 years of relevant Commercial lending experience and a proven record of exceeding performance in developing business in the Commercial C&I segment and industry.
- Proven success developing new business, growing market share, and establishing or growing a quality supportive network.
- Experience in relationship management teams and an understanding of balancing business development with asset quality.
- Ability to constructively work within and lead teams to deliver holistic, customized banking relationships.
- Expert credit acumen, including underwriting, accounting, financial statements, business analysis, and operational cash flow, with the ability to support complex deals.
- Working knowledge of bank systems and policies applicable to underwriting and portfolio management.
- Thorough knowledge of the bank’s risk-rating system, credit products, and underwriting policies.
- Exceptional working knowledge of structuring credit products for middle-market businesses in diverse industries and with complex ownership structures.
- Strong relationship management, business development, analytical, problem-solving, sales, and credit-quality skills.
- Superior client relationship and internal partnering skills, with the ability to work effectively across the company to manage customer relationships.
- Excellent written and verbal communication and presentation skills.
- Strong computer skills, including Microsoft Office, and ability to learn new business software.
- Ability to train and present to small and large audiences.
- Superior technical credit expertise and ability to mentor others.
- Ability to negotiate and collaborate with Senior Credit Officers on credit terms and structures.
- Ability to work fully onsite at the posted location.
- Frequent travel.
Nice To Haves
- Experience with syndications, asset-based lending, capital structure finance, leveraged lending, enterprise value lending, and trade finance.
- Experience underwriting and/or managing Shared National Credits (SNC).
Responsibilities
- Manage assigned commercial client relationships as a trusted advisor and identify holistic banking needs.
- Prospect for new clients and develop business, including through referral networks and community organizations.
- Deepen existing client relationships and identify opportunities for additional credit and non-credit solutions.
- Lead cross-functional teams and coordinate internal experts to provide customized banking solutions.
- Balance prospecting with quality client maintenance and portfolio management.
- Make loan and terms decisions within established lending limits and analyze customer and prospect creditworthiness.
- Follow up on existing loans to ensure compliance with internal procedures and required terms.
- Study middle-market industrial, economic, and financial conditions as part of business development and portfolio management.
- Maintain compliance with bank policies, regulations, and required training, including applicable Bank Secrecy Act, Regulation CC, and Regulation E requirements.
- Keep current with changes in applicable regulations.
- Coach, mentor, or train others when asked, and contribute expertise to coursework.
- Model and foster Columbia’s corporate culture and take personal initiative.
Benefits
- Medical, dental, and vision plans
- 401(k) retirement savings plan with employer match for qualifying associate contributions
- Employee assistance program
- Life insurance
- Disability insurance
- Tuition assistance
- Mental health resources
- Identity theft protection
- Legal support
- Auto and home insurance
- Pet insurance
- Online discount marketplace
- Paid vacation
- Paid sick days
- Paid volunteer days
- Paid holidays
- Performance-based incentive compensation may be available
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
