Commercial Relationship Manager IV - Katy, TX
About The Position
The Commercial Relationship Manager IV develops and manages commercial client relationships in a SouthState metro market, growing a portfolio of loans and deposits while delivering appropriate banking solutions. The role manages loan and deposit requests through internal channels, balancing client needs with credit quality, responsiveness, appropriate structure and pricing, and the Bank’s operating objectives. It underwrites loan requests within Bank policy and submits accurate, complete loan packages to the appropriate Credit partner for approval. The position also manages and services an assigned loan portfolio, maintains required loan and deposit documentation, resolves deficiencies, and partners with Credit to assign and update loan risk grades. The role prices loan and deposit products in accordance with current Bank guidelines and documents circumstances supporting any departures from approved pricing regulations. It maintains knowledge of lending laws and regulations, follows Bank policies and applicable State and Federal requirements, and demonstrates a commitment to fair lending. The manager provides service to existing clients, resolves problems and inquiries, collaborates with internal partners, and builds community relationships that support the Bank’s image and reputation. The position is based in a private office at 808 Katy Fort Bend Rd., Katy, Texas. It involves substantial computer use, which may be performed sitting or standing with use of an appropriate desk, and may require occasional travel. Required training includes annual compliance training and New Employee Orientation.
Requirements
- Bachelor’s degree in business, finance, banking, or a related field.
- At least 10 years of commercial lending or portfolio management experience.
- Experience with loan structuring and credit analysis responsibilities.
- In-depth knowledge of Federal and State lending regulations and Bank lending policies and procedures.
- Well-developed sales, interpersonal, and negotiating skills.
- Excellent written and verbal communication skills.
- Basic accounting and credit skills.
- Detail orientation and proven ability to prioritize complex work assignments.
- Proven analytical skills and ability to evaluate creditworthiness.
- Proficiency with basic office equipment, especially a calculator and computer.
- Proficiency with Microsoft Word, Excel, and Outlook.
- Ability to access and interpret information on computer screens, documents, and reports.
Nice To Haves
- Graduation from a recognized school of banking.
- Familiarity with the local business community.
Responsibilities
- Participate in a business development plan to grow commercial loan and deposit portfolios within a SouthState metro market.
- Develop consultative relationships with prospects and clients and deliver appropriate banking solutions.
- Manage the flow of loan and deposit requests through appropriate channels, addressing credit quality, responsiveness, structure, pricing, client needs, and Bank objectives.
- Collaborate with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail.
- Underwrite loan requests within Bank policies and procedures and submit accurate, complete loan packages to the appropriate Credit partner for approval.
- Manage and service the assigned loan portfolio.
- Ensure required documentation is on file for all loans and deposits.
- Resolve documentation or compliance deficiencies identified by Loan and Deposit Operations or other reviewers.
- Partner with Credit to risk-grade loans in the assigned portfolio and adjust grades when circumstances or information change.
- Price loan and deposit products according to current Bank pricing guidelines.
- Document credit quality, competitive factors, or relationship circumstances justifying departures from approved Bank pricing regulations.
- Demonstrate commitment to fair lending practices and comply with applicable laws, regulations, policies, and procedures.
- Resolve client problems and assist with general inquiries; provide superior service to existing clients.
- Build and maintain positive relationships with centers of influence and others in the community to enhance the Bank’s image and reputation.
- Complete required annual compliance training and New Employee Orientation.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
