Senior Commercial Banking Relationship Manager
About The Position
The Senior Commercial Banking Relationship Manager is responsible for new business development with large, high-net-worth customers and complex borrowing, depository, and trust needs. The role develops and maintains a profitable relationship portfolio, evaluates loan applications, assesses creditworthiness, and maintains loan portfolios by gathering financial data, documenting borrower status, and keeping in contact with customers. The position ensures compliance with bank policies and applicable federal and state commercial lending regulations. It also provides training, consultation, advice, and guidance to less experienced loan officers. The position requires strong negotiation on behalf of the bank. Travel is less than 50%, and a driver’s license and reliable transportation are required. Physical requirements include effective communication with internal and/or external customers, remaining stationary 75% of the time or greater, and moving objects up to 10 pounds.
Requirements
- Bachelor's degree or related experience.
- 7–10 years of commercial lending experience.
- Strong accounting and credit analysis background.
- Strong communication skills, including oral and written communication.
- Ability to attain or exceed established business goals.
- Strong management and leadership skills.
- Ability to use various computer programs and the bank accounting system.
- Understanding of economics, general business, commercial finance, and accounting.
- Legal knowledge of lending practices.
- Strong negotiation skills on behalf of the bank.
- Travel less than 50%.
- Driver’s license required.
- Reliable transportation required.
Responsibilities
- Develop a profitable relationship portfolio through new business development, serving relationships that typically involve large customers with complex borrowing, depository, and trust needs.
- Maintain awareness of and adhere to bank policy and federal and state regulations affecting commercial lending.
- Maintain and service a loan portfolio, including timely gathering of financial data, maintaining customer contact, and documenting borrower status through file write-ups.
- Evaluate loan applications by analyzing borrower capacity, financial data, industry trends, collateral position, and management ability, then use personal judgment to determine creditworthiness.
- Assist less experienced loan officers by providing training, advice, and guidance.
- Perform other duties as assigned.
Benefits
- At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
- Six weeks of paid parental leave at 100% of salary.
- Medical coverage, including employer HSA contributions for eligible high-deductible health plan participants.
- Dental and vision coverage.
- Flexible spending accounts for healthcare and dependent care expenses.
- Employer-paid short- and long-term disability coverage, with an option to purchase additional long-term coverage.
- Employer-paid basic life insurance, with an option to purchase supplemental coverage.
- Voluntary hospital, accident, and critical illness coverage.
- 401(k) with employer matching, optional Roth 401(k), and a pension plan.
- Adoption assistance.
- Tuition reimbursement.
- Employee Assistance Program.
- Pet insurance.
- Financial and banking services benefits and financial planning assistance.
- For part-time employees working 20 or more hours per week: medical, dental, and vision coverage; voluntary hospital, accident, and critical illness coverage; and six weeks of paid parental leave at 100% of salary.
- For all part-time employees: 401(k) with employer matching, optional Roth 401(k), and pension plan eligibility for employees working at least 1,000 hours in a calendar year; paid sick and safe leave; Employee Assistance Program; and financial and banking services benefits and financial planning assistance.
- Wellbeing initiatives and flexible work arrangements.
- Development programs and tools for career growth.
- Competitive compensation and performance-based incentives.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
