Commercial Relationship Manager II

First Interstate BancSystem•Bozeman, MT

12d

About The Position

This role serves as an intermediate level commercial banking position with functionality ranging from business development utilizing a small business platform to supporting senior bankers as an apprentice relative to portfolio management and experience with complex credit functions. Drives shareholder value through a collaborative effort to generate quality earnings through interest income growth, via maintaining margin and credit quality, and non-interest income through collaboration with business partners while simultaneously understanding the importance of expense control. Maintains an average loan portfolio size of at least $20MM up to $50MM and manages at least 50 bank relationships or may provide support to CRM III/Senior with a loan portfolio over $50MM.

Requirements

Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis.
Knowledge of commercial lending policies, procedures, practices and documentation.
Knowledge of the bank’s risk-rating system, credit products and underwriting policies; working knowledge structuring credit products for small and medium size business in diverse industries.
Proficient written and verbal communication and presentation skills,
Ability to work effectively with individuals and groups across the company to manage customer relationships.
Computer skills essential, including Word and Excel and Outlook.
Requires initiative and solid judgement.
Ability to prioritize work and remain adaptable under pressure.
Ability to read, analyze, and interpret common financial reports, and legal documents.
Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.
Ability to work with mathematical concepts such as probability and statistical inference.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Bachelor's Degree in Business, Finance or equivalent required
4-6 years in commercial lending or commercial credit underwriting; or the equivalent combination of education and experience required

Nice To Haves

Experience with PowerPoint beneficial.

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.
Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
Builds client and prospect referral pipeline via identification and development of internal and external center of influence.
Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products.
Proactively promotes bank products and services and keeps clients informed of all the financial solutions First Interstate Bank has to meet their needs.
Assembles cross-functional team to respond to customer requests when not able to address requests personally.
Knows when and how to bring in teams of experts, as well as identify cross-sell opportunities.
Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.
Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
Research and study industrial, commercial, economic and financial situations relating to existing and new business.
Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities, which includes keeping up to date on regulation changes and following all Bank policies and procedures, compliance regulations, and completes all required annual training.
Actively engages, demonstrates and fosters the First Interstate Bank Mission, Vision and Values by executing the Service Commitments.