Commercial Relationship Manager

United Community Bank•Franklin, TN

10d

About The Position

Responsible for generating and managing relationships with a wide variety of businesses with annual sales above $5 million. The role requires the analytical training and experience needed to communicate with business owners and senior financial leaders. Duties include developing and managing commercial business relationships through lending, obtaining deposit accounts, selling cash management services, and cross-selling other bank services. The position provides guidance to credit analysts and/or portfolio managers and promotes the bank in the community. It may manage employees and includes responsibility for their coaching, development, and performance management. The role is full-time, requires schedule flexibility to work evenings and weekends as needed, and involves up to 20% travel. The work location is described as “Location in United Footprint.”

Requirements

Minimum three years of banking experience in credit analysis or lending.
Ability to analyze complex financial statements or completion of a commercial analyst training program.
Effective sales and negotiation skills.
Excellent verbal and written communication skills.
Strong customer service skills.
Ability to work independently and as part of a team.
Self-motivated and able to take initiative.
Proficiency in Microsoft programs.
Must pass a criminal background and credit check.

Nice To Haves

Bachelor’s degree in business, economics, finance, or accounting, or an equivalent combination of education and experience.

Responsibilities

Manage and retain profitable client relationships.
Develop new business by actively calling on clients and prospects.
Develop and maintain a strong network of centers of influence (COIs).
Use Vertical IQ, Business Browser, or other available tools to research and develop leads.
Manage individual production against assigned goals.
Recommend loan structures, terms, and rates for loans being underwritten.
Provide guidance to credit analysts.
Manage the loan-closing process, including preparing term sheets and commitment letters and communicating with attorneys, appraisers, and related professionals.
Ensure adherence to company loan policies and procedures.
Evaluate risk to meet profitability standards.
Participate actively in community activities or events such as Chamber, Kiwanis, and Rotary.
Perform quarterly check-ins and, if applicable, maintain an effective management plan with staff goals.
Coach, develop, and manage the performance of employees if the position has direct reports.
Complete required compliance training, including Bank Secrecy Act/anti-money laundering training, and participate in internal and external training programs, online training, meetings, seminars, and conferences.