SVP/Commercial Relationship Officer

FIRSTAR BANK•Muskogee, OK

6d•Onsite

About The Position

The SVP/Commercial Relationship Officer attracts, grows, and manages full commercial relationships, including loans, deposits, and treasury management services. As the bank’s primary contact for business clients, the officer provides expertise, strategic insight, and tailored financial solutions that help clients operate efficiently, fund growth, and manage risk. The role develops business, communicates Firstar’s value proposition, and delivers relationship-based pricing across credit, treasury, and deposits. In addition to traditional credit responsibilities, the officer partners with Treasury Solutions Officers on operating and interest-bearing deposit acquisition, cash-flow optimization, and relationship profitability. The officer collaborates with these partners to structure and deliver holistic solutions that support client performance and bank profitability. The role also leads commercial loan origination, underwriting, and documentation; manages portfolio performance and profitability; and provides leadership and mentorship to less experienced team members. For TRID and construction loans, the officer reviews construction documentation, manages the draw process and related project risks, maintains direct borrower relationships, and helps resolve construction issues. The position requires compliance with Firstar Bank policies and applicable laws and regulations, including the bank’s BSA/AML Program. The officer represents the bank in community and industry organizations and participates in bank and community activities with integrity, trustworthiness, and professionalism.

Requirements

Bachelor’s degree in business, finance, or a related field, or an equivalent combination of education and experience.
Typically at least eight years of experience in commercial banking.
Strong credit acumen and understanding of commercial lending principles, structures, and risk management.
Knowledge of treasury management solutions, deposit strategies, and liquidity management.
Business development skills and a consultative, client-centric approach to growing customer relationships.
Excellent financial analysis, negotiation, and presentation skills.
Effective strategic and critical thinking, analytical, and problem-solving skills.
Ability to work independently, collaborate across teams, and lead internal partners toward shared relationship goals.
Ability to communicate effectively, including visual acuity for reviewing documents and screens and auditory ability for in-person and telephone conversations.
Ability to sit for prolonged periods while working at a desk and computer, with occasional standing, walking, bending, reaching, and stooping; may occasionally lift or move items weighing up to 25 pounds.

Responsibilities

Execute strategic and tactical plans to achieve market sales goals by developing and strengthening relationships with business clients and prospects through proactive calling, networking, and community involvement.
Lead the origination, underwriting, and documentation process for commercial loans.
Analyze financial statements, cash-flow trends, and operational patterns to recommend integrated credit and funding strategies.
Partner with Treasury Solutions Officers to grow operating accounts and capture deposit and treasury opportunities.
Serve as the strategic lead for client relationships by anticipating needs, identifying opportunities, engaging internal partners, and driving solutions that deepen relationships and expand wallet share.
Maintain in-depth knowledge of Firstar’s products and services, as well as competitors and competing products, and proactively promote bank products and services.
Manage portfolio performance and profitability, including credit quality, cross-sell penetration, and deposit retention; use collection methods under contract terms when feasible and applicable.
Work Technical Exceptions to ensure Firstar’s security interests are perfected in a timely manner.
Maintain positive customer relations and discuss sensitive personal financial circumstances frankly and tactfully.
Provide leadership, coaching, and mentorship to less experienced team members in relationship development and fundamental credit skills.
Represent the bank as a senior market leader through participation in community and industry organizations, developing local networks and centers of influence, and pursuing business opportunities.
Comply with Firstar Bank policies, applicable laws and regulations, and the bank’s BSA/AML Program; complete annual compliance training, follow internal procedures and controls, and report known violations or suspicious customer or account activity.
Participate in bank and community activities while demonstrating integrity, trustworthiness, and professionalism.
Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives.
Review construction documentation for completeness and accuracy.
Review and manage the construction-loan draw process, including budget overruns, project delays, and draw approvals and disbursements, to ensure loans are not overfunded.
Develop direct borrower relationships and support relationship retention after loan payoff.
Identify and help resolve construction issues, escalating them as needed before they become problems.
Handle other construction-monitoring duties as needed.