Senior Commercial Relationship Manager

First Interstate•Denver, CO

20h•$150,810 - $248,710•Onsite

About The Position

The Senior Commercial Relationship Manager serves as the relationship manager for new and existing complex clients. The role manages a loan portfolio greater than $100 million, with at least 35 bank relationships and at least $1.8 million in revenue to the bank. It establishes and maintains strategic client partnerships through knowledgeable advice aligned with clients’ business objectives and lifecycle. The position also develops new business, builds relationships with prospects, and drives profitable revenue growth and quality credit. The role is based at First Interstate Bank’s Cherry Creek branch in Denver, Colorado. Typical work hours are Monday through Friday, 8 a.m. to 5 p.m.; travel is as needed. The position requires a bachelor’s degree in Business, Finance, or a related field and at least 10 years of experience in commercial lending, commercial credit underwriting, or an equivalent combination of education and experience. Formal Credit Analyst training is required. The anticipated annual pay range in Colorado is $150,810–$248,710, depending on job-related knowledge, skills, experience, education, and geographic location. The position is also eligible for annual discretionary cash and stock bonuses. Benefits include medical, dental, vision, disability and life insurance, flexible spending and health savings accounts, an employee assistance program, a 401(k), paid time off, and paid federal holidays.

Requirements

Bachelor’s degree in Business, Finance, or a related field.
At least 10 years of experience in commercial lending, commercial credit underwriting, or an equivalent combination of education and experience.
Completion of formal Credit Analyst training.
Proficiency in Microsoft Word, Excel, and Outlook.
Initiative and sound judgment; ability to prioritize work and adapt under pressure.
Ability to read, analyze, and interpret common financial reports and legal documents.
Ability to respond effectively to inquiries or complaints from customers, regulatory agencies, and members of the business community.
Ability to apply mathematical concepts including fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash-flow analysis.
Strong knowledge of commercial lending policies, procedures, practices, and documentation.
Excellent written and verbal communication and presentation skills, with the ability to work effectively across the organization to manage customer relationships.
Proficiency in the bank’s risk-rating system, credit products, and underwriting policies; working knowledge of structuring credit products for small and medium-sized businesses across diverse industries.
Experience in asset-based lending, capital structure finance, and trade finance.
Ability to meet the physical demands described, including frequent hand and finger dexterity for keyboard and mouse use, frequent sitting, and occasional standing.
Regular and predictable attendance is required.

Nice To Haves

PowerPoint experience is beneficial.

Responsibilities

Achieve individual annual production and growth goals for loans, deposits, and fees while ensuring compliance with credit terms and the bank’s financial targets.
Initiate and develop new business through outside business-development activities.
Maintain ongoing contact with new clients to enhance their experience with First Interstate Bank.
Understand client needs by reviewing and analyzing personal, bank, business, and financial information gathered through relationship reviews and meetings.
Use customer-sourcing software to generate leads, track activities, and make referrals to appropriate business partners and bankers.
Participate in community organizations to identify business-development opportunities and demonstrate the bank’s community commitment.
Build a client referral pipeline by identifying and developing internal and external centers of influence.
Maintain in-depth knowledge of the bank’s products and services, competitors, and competitive offerings.
Promote bank products and services and inform clients about financial solutions that meet their needs.
Assemble cross-functional teams to respond to customer requests, bring in subject-matter experts when needed, and identify cross-selling opportunities.
Analyze credit to determine whether clients qualify for borrowing requirements.
Maintain ultimate accountability for portfolio activities and issues, including underwriting, structuring, portfolio management, sound asset quality, and accurate risk assessment.
Follow up on existing loans to ensure compliance with internal procedures and other required terms.
Research and study relevant industrial, commercial, economic, and financial conditions.
Maintain compliance with bank regulations, policies, procedures, and assigned responsibilities; stay current on regulatory changes and complete required annual training.
Coach, mentor, or train others when asked.
Contribute to strategic-level discussions with senior management.
Serve as a subject-matter expert when difficult questions arise.
Provide practical ideas and perspectives on processes and process improvement.
Demonstrate and foster First Interstate Bank’s mission, vision, values, and service commitments.

Benefits

Generous paid time off, including paid sick time, and up to 11 paid federal holidays.
Student debt employer repayment program.
401(k) retirement plan with a 6% match.
Medical insurance.
Dental insurance.
Vision insurance.
Short-term and long-term disability benefits.
Life insurance.
Flexible spending accounts.
Health savings account.
Employee assistance program.
Annual discretionary cash and stock bonuses.