Senior Commercial Relationship Manager

First Interstate BancSystem, Inc.•Denver, CO

45d•$127,490 - $210,430•Onsite

About The Position

The Senior Commercial Relationship Manager serves as the account executive for new and existing complex clients and will be responsible for managing a portfolio with a loan portfolio that is greater than $100MM and includes at least 75 bank relationships. This position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. This position also develops and grows new business and builds/maintains strong relationships with prospects to drive financial performance through profitable revenue, growth, and quality credit.

Requirements

Computer skills essential, including Word, Excel, and Outlook. Experience with PowerPoint beneficial.
Requires initiative and solid judgement.
Ability to prioritize work and remain adaptable under pressure. Knowledge may be gained through coursework and on-the-job training.
Ability to read, analyze, and interpret common financial reports and legal documents.
Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.
Ability to work with mathematical concepts such as probability and statistical inference.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience; has completed Credit Analyst training.
Knowledge of commercial lending policies, procedures, practices, and documentation.
Excellent written and verbal communication and presentation skills; ability to work effectively with individuals and groups across the company to manage customer relationships.
Proficiency with bank's risk-rating system, credit products and underwriting policies; working knowledge structuring credit products for small and medium size business in diverse industries.
Experience with asset-based lending, capital structure finance and trade finance.
Bachelor's Degree in Business, Finance, or related field required
10+ years experience in commercial lending, commercial credit underwriting, and/or equivalent combination of education and experience required

Responsibilities

Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
Initiates and develops new business through outside business development activities.
Ensures ongoing contact with new clients to enhance client's experience with First Interstate Bank.
Develops a comprehensive understanding of the client's needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.
Participates in community organizations to source business development opportunities and demonstrates First Interstate Bank's commitment to the communities we serve.
Builds client referral pipeline via identification and development of internal and external center of influence.
Develops and maintains an in-depth knowledge of products and services, as well as knowledge of competitors and competitive products.
Promotes bank products and services and keeps clients informed of financial solutions that First Interstate Bank offers to meet their needs.
Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally; knows when and how to bring in teams of experts, as well as identify cross-sell opportunities.
Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.
Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
Researches and studies industrial, commercial, economic, and financial situations relating to existing and new business.
Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities:
Keeps up to date on regulation changes.
Follows all Bank policies and procedures, compliance regulations, and completes all required annual training.
May be asked to coach, mentor, or train others.
Contributes to strategic level discussions with members of the senior management team.
Acts as the Subject-Matter Expert (SME) when difficult questions arise.
Provides practical, relevant ideas and perspectives on processes or process improvement.
Engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.