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 loan and deposit portfolios while delivering appropriate banking solutions. The role manages loan and deposit requests, underwrites loans within Bank policies, services an assigned portfolio, and coordinates with Credit and other Bank partners. It also ensures complete documentation, appropriate risk grading and pricing, compliance with lending regulations and Bank policies, and strong client service. The position is based in a private office in Katy, Texas, and may require occasional travel.
Requirements
- Bachelor’s degree in business, finance, banking, or a related field.
- At least 10 years of commercial lending or portfolio management experience, including loan structuring and credit analysis responsibilities.
- Extensive knowledge of Bank products, services, procedures, and practices.
- 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.
- Attention to detail and ability to prioritize complex work assignments.
- Analytical skills and ability to evaluate creditworthiness.
- Proficiency with basic office equipment, especially calculators and computers, and with Microsoft Word, Excel, and Outlook.
- Ability to access and interpret information on computer screens, documents, and reports; the role involves extensive computer use.
Nice To Haves
- Graduation from a recognized school of banking.
- Familiarity with the local business community.
Responsibilities
- Participate in a business development plan to increase the loan and deposit portfolio of commercial clients 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, balancing 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 loans and deposits, and resolve documentation or compliance deficiencies identified by operations or other reviewers.
- Partner with Credit to assign and update loan risk grades as circumstances or information change.
- Price loan and deposit products according to Bank pricing guidelines, documenting justification for any departures from approved pricing regulations.
- Demonstrate fair lending practices and remain knowledgeable about laws and regulations governing financial institution lending.
- Comply with applicable Bank policies and procedures and State and Federal regulations.
- Resolve client problems, respond to general inquiries, and provide superior service to existing clients.
- Build and maintain positive relationships with centers of influence and others in the community to support the Bank’s image and reputation.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
