Commercial Relationship Manager (C&I Lending)

North Easton Savings Bank•Easton, MA

just now•$119,340 - $182,988•Onsite

About The Position

The C&I Commercial Relationship Manager is responsible for developing and managing a portfolio of high-quality C&I commercial loans while ensuring compliance with the Bank’s credit policies, regulatory requirements, and risk appetite. This individual will generate new business, deepen existing client relationships, and contribute to the overall growth and profitability of the Bank’s commercial lending division.

Requirements

Bachelor’s degree in finance, business, accounting, or related field required.
7–15 years of commercial lending, credit analysis, or relationship management experience in a financial institution; Experience with a community bank or regional bank credit culture preferred.
Formal credit training or completion of a commercial credit program preferred.
Proven ability to source new business and manage a commercial loan portfolio.
Strong financial statement analysis skills, including cash-flow analysis and collateral evaluation.
Knowledge of commercial loan structures, credit risk management, and regulatory requirements.
Familiarity with SBA and other government-guaranteed lending programs preferred.
Excellent communication, negotiation, and presentation skills.
Proficiency with loan origination systems, Microsoft Office, and financial analysis tools.

Nice To Haves

Experience with a community bank or regional bank credit culture preferred.
Formal credit training or completion of a commercial credit program preferred.
Familiarity with SBA and other government-guaranteed lending programs preferred.

Responsibilities

Performs any function, within scope of authority and expertise and in conformance with established Bank policies, strategies, and procedures, to provide the highest level of service and responsiveness to the customers served by the Bank.
Originates new C&I focused commercial lending opportunities through proactive business development, networking, and referral source cultivation.
Builds and manages a portfolio of commercial relationships and monitoring credit quality, presenting relevant data and recommendations to Team Leader when appropriate.
Meets or exceeds annual production, revenue, and portfolio growth goals.
Analyze financial statements, tax returns, collateral, industry trends, and borrower/guarantor creditworthiness.
Directs the preparation of comprehensive credit memos consistent with Bank standards, including risk rating recommendations as well as loan and covenant structures.
Structures loan terms that balance client needs with risk management.
Works closely with Credit Administration and Loan Operations to ensure complete, accurate, and timely underwriting and documentation.
Proactively identifies deteriorating credits, recommend appropriate action plans, and work with internal stakeholders on remediation.
Serves as the primary point of contact for borrowing and deposit clients, providing exceptional service and responsive communication.
Identify cross-sell opportunities including treasury management, deposit, and other Bank products to maximize relationship profitability.
Maintains strong working relationships with internal partners to ensure seamless client experiences.