Commercial Relationship Manager II

First Interstate BancSystem • Denver, CO

14h • Onsite

About The Position

The Commercial Relationship Manager II serves as the Relationship Manager for new and existing complex clients. The position manages a portfolio with an average loan portfolio greater than $50 million and up to $100 million, and at least 35 bank relationships generating at least $1.5 million in revenue. The role builds collaborative, strategic client partnerships by providing knowledgeable advice aligned with clients’ business objectives and lifecycle, developing new business, and driving profitable revenue growth and quality credit.

The role is based at the First Interstate Bank Cherry Creek branch in Denver, Colorado. It involves managing client relationships and portfolio activities, generating business through external and community engagement, analyzing and overseeing credit, and collaborating with internal business partners. The role may also coach, mentor, or train others, contribute to strategic discussions with senior leadership, and serve as a subject matter expert.

Requirements

• Bachelor’s degree in Business, Finance, or a related field.
• 7–9 years of experience in commercial lending, commercial credit underwriting, or an equivalent combination of education and experience.
• Completion of formal Credit Analyst training.
• Experience in asset-based lending, capital structure finance, and trade finance.
• Advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash flow analysis.
• Strong knowledge of commercial lending policies, procedures, practices, and documentation.
• Proficiency with the bank’s risk-rating system, credit products, and underwriting policies, and working knowledge of structuring credit products for small and medium-sized businesses across diverse industries.
• Ability to work effectively with individuals and teams across the organization to manage customer relationships.
• Excellent written and verbal communication skills, including presentation abilities.
• Proficiency in Microsoft Word, Excel, and Outlook.
• Initiative, sound judgment, ability to prioritize, and adaptability under pressure.
• Ability to read, analyze, and interpret common financial reports and legal documents.
• Ability to respond effectively to inquiries or complaints from customers, regulatory agencies, or members of the business community.
• Ability to work with 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 and work with abstract and concrete variables.
• Ability to meet the physical demands and working-environment requirements of the role, with reasonable accommodation where applicable.
• Regular and predictable attendance.

Nice To Haves

• PowerPoint experience.

Responsibilities

• Achieve individual annual production and growth goals for loans, deposits, and fees while conforming to credit terms.
• Initiate and develop new business through outside business development activities.
• Maintain ongoing contact with new clients to enhance their experience with First Interstate Bank.
• Develop a comprehensive understanding of client needs through analysis of financial data, relationship reviews, and personal meetings.
• Use internal customer-sourcing software to generate leads, track activities, and make referrals to business partners and bankers.
• Participate in community organizations to source business opportunities and demonstrate the bank’s commitment to the communities it serves.
• Build a client referral pipeline by identifying and developing internal and external centers of influence.
• Maintain in-depth knowledge of the bank’s products and services, competitors, and competitive products.
• Promote bank products and services and inform clients about financial solutions that meet their needs.
• Assemble cross-functional teams to respond to customer requests; bring in experts and identify cross-sell opportunities as appropriate.
• Analyze credit to determine clients’ ability to qualify for borrowing requirements.
• Take ultimate accountability for portfolio activities and issues, including underwriting, structuring, portfolio management, asset quality, and accurate risk assessment.
• Follow up on existing loans to ensure compliance with internal procedures and required terms.
• Research and study industrial, commercial, economic, and financial situations relating to existing and new business.
• Maintain compliance with bank regulations, policies, procedures, and required annual training, and keep up to date on regulatory changes.
• Coach, mentor, or train others as requested.
• Contribute to strategic-level discussions with senior management.
• Serve as a subject matter expert when difficult questions arise.
• Provide practical and relevant ideas and perspectives on processes and process improvement.
• Demonstrate and foster the bank’s mission, vision, values, and service commitments.

Benefits

• Paid time off, including paid sick time.
• Up to 11 paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• Medical insurance.
• Dental insurance.
• Vision insurance.
• Short-term disability benefits.
• Long-term disability benefits.
• Life insurance.
• Flexible spending accounts.
• Health savings account.
• Employee assistance program.
• Annual discretionary cash and stock bonuses.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior