Sr. Commercial Relationship Manager

Stillman Bank Corp NA • Rockford, IL

3d • $130,000 - $180,000

About The Position

The Sr. Commercial Relationship Manager is an experienced commercial banker responsible for originating, underwriting, structuring, and managing commercial lending relationships. The role also serves as the Bank’s designated resource for managing select complex criticized, underperforming, and nonperforming commercial credits and mentoring developing relationship managers in problem resolution. It combines active lending production and relationship management with hands-on responsibility for developing and executing workout and recovery strategies.

The position has no direct supervisory responsibilities, but may provide technical guidance, coaching, and mentorship to less experienced lending or credit employees. It is a salaried exempt role with an expected hiring pay range of $130,000–$180,000 annually, depending on experience. The role is performed in a typical office environment and is primarily sedentary, with occasional movement and lifting.

Requirements

• Advanced knowledge of traditional commercial lending, including financial statement and cash-flow analysis, credit underwriting, loan structuring, collateral evaluation, documentation, and portfolio management.
• Strong working knowledge of C&I and commercial real estate lending and demonstrated ability to originate and manage commercial banking relationships.
• Sound credit judgment and ability to independently assess complex transactions, identify risk, and recommend practical solutions.
• Knowledge of problem loan management, restructuring, creditor remedies, collections, bankruptcy, foreclosure, and collateral recovery strategies.
• Strong business development, relationship management, negotiation, communication, and presentation skills.
• Ability to balance customer service, production goals, credit quality, and sensitive workout matters with discretion and limited supervision.
• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field, or equivalent relevant experience.
• Significant progressively responsible experience as a commercial lender; ideally 15–20 years in commercial banking with direct lending, underwriting, and relationship management responsibilities.
• Demonstrated success in commercial loan origination and portfolio management, including C&I and commercial real estate credits.

Nice To Haves

• Completion of a formal commercial credit training program; equivalent rigorous credit underwriting and lending experience will be considered.
• Experience managing criticized or problem commercial loans and negotiating restructurings or workout solutions.
• Community banking experience.
• Experience with participated or syndicated credits.

Responsibilities

• Originate and develop new commercial lending relationships through prospecting, referrals, centers of influence, and community involvement, emphasizing sound and sustainable portfolio growth.
• Maintain and expand an assigned portfolio of commercial relationships, identifying appropriate lending, deposit, and other banking opportunities.
• Independently evaluate borrower financial performance, repayment capacity, cash flow, guarantor support, collateral, industry conditions, and transaction risks.
• Structure, negotiate, and recommend C&I, commercial real estate, and other commercial credit facilities consistent with Bank policy and prudent underwriting standards.
• Prepare or oversee credit presentations and loan approval recommendations; coordinate documentation, closing, and ongoing portfolio administration.
• Monitor borrower performance, covenants, collateral, financial reporting, and risk ratings; identify emerging credit concerns and take timely action.
• Meet mutually established lending production, portfolio quality, and relationship development expectations, adjusted as appropriate for assigned workout responsibilities.
• Assume direct responsibility for assigned criticized, underperforming, nonperforming, and problem commercial loan relationships.
• Develop, recommend, negotiate, and implement documented workout plans, including restructurings, forbearance agreements, repayment arrangements, collateral liquidation, foreclosure, bankruptcy, note sales, and other exit strategies as appropriate.
• Analyze borrower, guarantor, and sponsor financial information and collateral positions to assess repayment capacity, loss exposure, and recovery alternatives.
• Monitor action-plan milestones, payment performance, covenant compliance, collateral protection, and credit quality; recommend risk rating changes, nonaccrual treatment, charge-offs, and other credit actions as warranted.
• Coordinate with borrowers, guarantors, legal counsel, accountants, consultants, participant lenders, and other stakeholders to execute approved resolution strategies.
• Review commercial loan documents and work with counsel on enforcement, litigation, receivership, bankruptcy, foreclosure, and recovery matters.
• Prepare and present timely problem loan reports, credit analyses, action plans, and recommendations to senior management and appropriate committees; maintain complete and accurate workout documentation.
• Partner with lending and credit personnel to identify deteriorating credits early and provide guidance on remediation strategies.
• Serve as a technical resource and mentor to less experienced lenders and credit personnel, particularly in underwriting, structuring, credit judgment, and problem loan management.
• Adhere to Bank credit policies, loan approval authorities, documentation standards, applicable regulations, and compliance requirements.
• Perform other duties as assigned.

Benefits

• Paid vacation time, paid flex (personal) time, paid wellness time, paid birthday, paid volunteer time off, and 11 paid holidays.
• Two health plans through Blue Cross Blue Shield of Illinois.
• Dental insurance.
• Vision insurance.
• Employer-paid short-term disability, long-term disability, and life insurance.
• Optional additional life insurance for the employee, spouse, or dependents at a group rate.
• Discretionary 401(k) match and profit-sharing contributions after eligibility requirements are met.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior