Sr Commercial Relationship Manager II

First Financial Bank•Indianapolis, IN

3d•$130,000 - $210,000

About The Position

The Senior Commercial Relationship Manager II manages multifaceted relationships with prospective and existing clients across a geographic area, generating loans, deposits, and fee income. The role determines credit eligibility, prepares loan narratives, ensures loans meet appropriate criteria, and cross-sells banking products and services. It contributes to corporate sales and service goals, builds internal and external customer relationships, and enhances shareholder value. The position is generally located in a market hub or another area with high business potential. The Relationship Manager develops and maintains a profitable portfolio, assesses client needs and creditworthiness, oversees loan underwriting and approval requirements, negotiates credit terms, and monitors portfolio quality. The role also represents First Financial Bank in community organizations, collaborates with colleagues and teams across the bank, and complies with applicable banking, lending, and regulatory policies. It works with limited supervision and exercises independent judgment within laws, regulations, and company policies. The role requires a bachelor's degree and at least ten years of proven relationship or account management experience selling banking products in the relevant market segment. Compensation is listed as $130,000 to $210,000 per year. All roles are incentive eligible, except Co-Op, Intern, or Student positions. The posting references a Benefits Guide but does not specify individual benefits.

Requirements

Bachelor’s degree.
At least ten years of proven relationship or account management experience selling banking products in the appropriate segmentation.
Excellent interpersonal, written, verbal communication, and presentation skills.
Excellent organizational skills and ability to handle and prioritize multiple tasks.
Well-developed analytical and problem-solving skills.
Ability to generate new business using a consultative sales approach.
Demonstrated sales and negotiating experience; marketing orientation.
Ability to work effectively with individuals and groups in managing customer relationships.
Strong product knowledge.
Credit training, credit quality, and underwriting experience, including financial analysis.
Ability to compile, analyze, and act on diverse points of view and gain agreement on important issues.
Ability to work with limited supervision and make decisions within applicable laws, regulations, and company policies.

Nice To Haves

Demonstrated experience working in Capital Markets and/or the Middle Market space ($75MM+).
Experience in Structured Finance, Asset Based Lending (ABL), ESOP, and/or leading syndicated transactions.

Responsibilities

Develop new and expand existing client relationships through business development, reviews of clients’ financial needs, and cross-selling products and services.
Grow and maintain a profitable portfolio of loans and deposits to achieve individual and market goals.
Analyze clients’ personal and financial information to understand their needs.
Qualify prospects by collecting and analyzing financial and related data to assess general creditworthiness and the merits of loan requests.
Prepare and oversee loan approval requirements, underwrite loans, structure credit to meet borrower and bank needs, and obtain appropriate approval.
Recommend and negotiate credit terms, including pricing, fees, costs, repayment methods and schedules, and collateral requirements.
Manage the portfolio and monitor credit quality, including past-due and non-performing credits, credit exceptions, and covenant compliance.
Represent First Financial Bank in community, civic, and professional organizations.
Refer loans to the loan committee for approval.
Understand clients’ financial goals, provide advice, recommend suitable products, and refer clients to other lines of business as appropriate.
Collaborate with bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams, and senior management.
Participate in bank marketing and sales promotions and initiatives that advance strategic priorities.
Comply with bank, lending, and regulatory guidelines, policies, and requirements, including Bank Secrecy Act, Anti-Money Laundering, OFAC, suspicious activity reporting, and lending and deposit compliance requirements.