Sr. Commercial Relationship Manager

Stillman Bank•Rockford, IL

About The Position

The Sr. Commercial Relationship Manager is an experienced commercial banker responsible for originating, underwriting, structuring, and managing commercial lending relationships. The position also serves as the Bank’s resource for selected complex criticized, underperforming, and nonperforming commercial credits, with hands-on responsibility for developing and executing workout and recovery strategies. It combines active lending production and relationship management with mentoring developing relationship managers in problem resolution. The role originates and develops commercial lending relationships, maintains and expands an assigned portfolio, evaluates borrowers and transactions, and structures and recommends commercial credit facilities. It oversees credit presentations, loan documentation and closing, portfolio administration, and monitoring of borrower performance and credit risks. The role also takes direct responsibility for assigned problem loans, develops and implements workout plans, coordinates with borrowers and other stakeholders, and prepares reports and recommendations for senior management and committees. The position provides technical guidance and mentorship to less experienced lending and credit personnel and must adhere to Bank credit policies, approval authorities, documentation standards, regulations, and compliance requirements. It is a salaried exempt position with an expected hiring pay range of $130,000–$180,000, depending on experience. The work is performed in a typical office environment and is primarily sedentary, with occasional movement and lifting-related activities.

Requirements

Bachelor’s degree in Finance, Accounting, Business Administration, or a related field, or equivalent relevant experience.
Significant progressively responsible experience as a commercial lender; the posting describes 15–20 years in commercial banking as ideal, with direct lending, underwriting, and relationship management responsibilities.
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.
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 commercial lending relationships through prospecting, referrals, centers of influence, and community involvement, with emphasis on sound, sustainable portfolio growth.
Maintain and expand an assigned portfolio, identifying lending, deposit, and other banking opportunities.
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 in accordance with Bank policy and prudent underwriting standards.
Prepare or oversee credit presentations and loan approval recommendations, and 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 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 resolution strategies.
Review commercial loan documents and work with counsel on enforcement, litigation, receivership, bankruptcy, foreclosure, and recovery matters.
Prepare and present 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 time off available up front, including paid vacation, paid flex (personal) time, paid wellness time, paid birthday time, and paid volunteer time off.
11 paid holidays.
Two health plans through Blue Cross Blue Shield of Illinois.
Dental insurance.
Vision insurance.
Employer-paid short-term disability insurance.
Employer-paid long-term disability insurance.
Employer-paid life insurance, with additional life insurance available for purchase at a group rate.
Discretionary 401(k) match, subject to eligibility requirements.
Profit-sharing contributions, subject to eligibility requirements.