Commercial Relationship Manager

Old National Bank•Saint Cloud, MN

4d•$79,400 - $156,000

About The Position

The Commercial & Industrial (C&I) Banking Relationship Manager generates new loan and deposit business in support of assigned sales goals by initiating and developing relationships with businesses, industries, developers, and consumers. The role maintains acceptable credit quality and appropriate loan pricing while managing an individual portfolio and expanding client relationships, including through partner referrals. The position may be filled at RM II, RM III, or RM IV level depending on the candidate’s qualifications and relevant experience. The Relationship Manager achieves sales targets through proactive business development, consultative selling, relationship building, and use of referral networks. The role evaluates loan requests for purpose, structure, and pricing; partners with support staff and other lenders; and manages a customer portfolio in accordance with current loan standards. Portfolio responsibilities include monitoring credit quality, managing delinquencies, and ensuring classified credits are promptly recognized and referred to Special Assets. The position requires strong commercial banking, sales, communication, negotiation, and financial analysis capabilities. Travel to other Old National locations, client locations, or meeting locations may be required. The stated salary range is $79,400 to $156,000 per year, plus bonus; actual offers may vary based on responsibilities, qualifications, experience, and location.

Requirements

Bachelor’s degree, or high school diploma/GED with equivalent work experience.
At least 5 years of relevant commercial banking experience.
Ability to coordinate organizational resources by identifying key participants, communicating relevant information, and building collaborative client-focused relationships.
Thorough knowledge of Loan Standards, Loan Review Administration, and Banking/OCC Procedures.
Very high level of written and verbal communication skills.
Proven successful sales performance and strong business development skills.
Very high level of sales, negotiation, and financial analysis skills.

Nice To Haves

Depth and breadth of experience in commercial lending, business development, commercial credit, and portfolio management in C&I Banking or middle market settings.
Consistent years of success and a track record as a Relationship Manager or in a similar role at Old National Bank or another financial institution.
Demonstrated ability to work through complex credits or unique situations.
Strong connections and influence in the market, region, or industry, with success acquiring, deepening, and maintaining profitable client relationships.
Prior experience coaching or mentoring peers and using leadership skills.
Ability to adapt to changes in sales practices and broader market or industry conditions.

Responsibilities

Generate new loan and deposit business to achieve assigned sales goals.
Develop relationships with businesses, industries, developers, and consumers.
Align client and bank objectives and coordinate organizational resources and referral partners to build collaborative, client-focused relationships.
Use consultative selling practices, including pre-call planning, needs assessment, explaining features and benefits, addressing objections, and closing sales.
Leverage centers of influence to build a network and business pipeline.
Evaluate loan requests for proper purpose, structure, and pricing, ensuring requests meet current loan standards.
Partner with support staff to ensure the loan origination process meets bank and client expectations.
Seek guidance from other lenders and executives to deliver appropriate loan terms for the bank and client.
Manage customer relationships professionally and monitor the portfolio in accordance with current loan standards.
Strengthen existing client relationships and develop new ones to meet or exceed portfolio targets.
Manage delinquencies, ensure classified credits are recognized promptly, and refer them to Special Assets in a timely manner.
Meet personal goals for new loan and deposit production, average portfolio, new fee production, and average loan delinquency.