Senior Commercial Relationship Manager

Everwise Credit Union•South Bend, IN

About The Position

The Senior Commercial Relationship Manager develops and oversees a commercial loan portfolio, focusing on the growth and development of commercial and industrial relationships with middle-market businesses, typically those with annual revenues exceeding $20 million. The role leads internal and external partners in obtaining credit approval, connects clients with other lines of business, and builds relationships with new prospects, centers of influence, and existing clients. It also involves proactive portfolio management, loan compliance, risk mitigation, and profitability through financial data gathering and analysis, including ongoing relationship reviews with direct management. The position covers the South Bend and Northwest markets.

Requirements

High school diploma, GED, or equivalent certification.
Bachelor’s degree in business, accounting, finance, or a related field, or equivalent relevant work experience.
At least 7 years of experience in business banking, corporate lending, or commercial lending, maintaining a portfolio of banking clients within the financial services industry.
Extensive corporate and commercial middle-market lending experience across diverse industries and commercial real estate asset classes.
Superior negotiation skills and excellent verbal and written communication skills.
Ability to deliver exceptional service to business members in varied circumstances.
Interpersonal skills for interviewing, negotiating, selling, and managing difficult conversations with members.
Integrity and commitment to safeguarding the interests of Everwise and its members through prudent lending and risk mitigation.
Robust knowledge of business and contract laws.
Comprehensive knowledge of deposit services, commercial loan structuring, treasury management solutions, Everwise products and services, and derivative products.
Strong understanding of commercial credit, loan services, and credit risk policies and procedures.
Skill in structuring treasury management solutions for diverse large and small corporate and commercial clients, both prospective and existing.
Ability to work autonomously and collaboratively in a team environment.
Understanding of and adherence to government laws, regulations, and Everwise policies concerning anti-money laundering, including the Bank Secrecy Act, US PATRIOT Act, and OFAC.
Strong skills with financial software and the Microsoft Office suite.

Nice To Haves

CPA, relevant certifications, or an advanced degree.
SBA experience.

Responsibilities

Engage in middle-market business development to attract new, profitable, multi-product lending activities supporting specialty and large relationships.
Lead screening and interviews of commercial applicants to assess financial needs, including treasury management and business debt products.
Gather information and compile comprehensive loan packages for decisioning.
Lead joint calls with MicroLenders, Business Bankers, Relationship Managers, Treasury Management, and other internal stakeholders and departments.
Complete comprehensive financial analyses of commercial applicants.
Lead loan closings by following documentation procedures, obtaining required signatures, and disbursing funds according to approvals.
Manage loan portfolios, deposit accounts, collections, and documentation.
Participate in professional community relationships to increase Everwise’s visibility and secure business opportunities.
Participate in community service and promotional events to support personal development and Everwise’s community reputation.
Introduce additional financial services, such as Cash Management, Mortgage, and Retail Services, to enhance member relationships.
Mentor Commercial Relationship Managers and Business Bankers, including reviewing their portfolios.
Assume additional responsibilities supporting Everwise’s growth and advancement.