SVP/Commercial Relationship Officer

FIRSTAR BANK•Muskogee, OK

2d•Onsite

About The Position

The SVP/Commercial Relationship Officer attracts, grows, and manages full commercial relationships encompassing 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 partnership with Treasury Solutions Officers, the officer supports deposit acquisition, cash-flow optimization, holistic client solutions, and relationship profitability. The officer leads commercial lending origination, underwriting, and documentation; develops client relationships and business opportunities; manages portfolio performance and profitability; and represents the bank as a senior market leader in the community. The position also provides coaching and mentorship to less experienced team members and carries out applicable compliance responsibilities. For TRID/construction loans, the officer reviews construction documentation, manages the draw process and related project risks, maintains borrower relationships, identifies and escalates construction issues, and performs other construction-monitoring duties as needed. The position is located at Muskogee Main in Muskogee, Oklahoma, and is full-time. Firstar Bank is an Equal Opportunity Employer.

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, critical-thinking, analytical, and problem-solving skills.
Ability to work independently, collaborate across teams, and lead internal partners toward shared relationship goals.
Ability to sit for prolonged periods at a desk and work on a computer, with occasional standing and walking; occasional bending, reaching, or stooping; and occasional lifting or moving of items up to 25 pounds.
Ability to communicate effectively, including visual acuity for reviewing documents and screens and auditory ability for in-person and phone conversations.

Responsibilities

Execute strategic and tactical plans to achieve market sales goals through proactive calling, networking, and community involvement.
Develop and strengthen relationships with business clients and prospects.
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.
Lead client relationships by anticipating needs, identifying opportunities, engaging internal partners, and delivering solutions that deepen relationships and expand wallet share.
Maintain knowledge of Firstar products and services and competitor offerings, and proactively promote bank products and services.
Manage portfolio performance and profitability, including credit quality, cross-sell penetration, and deposit retention; use applicable collection methods under contract terms when feasible and appropriate.
Work Technical Exceptions to ensure the bank’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, leveraging local networks to promote the bank and develop business opportunities.
Comply with bank policies, laws, regulations, and the BSA/AML Program; complete annual compliance training, follow 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-loan documentation for completeness and accuracy.
Review and manage construction-loan draws, including budget overruns and schedule delays, and approve and disburse draw requests to help ensure loans are not overfunded.
Develop direct borrower relationships and work to retain them after loan payoff.
Identify and help resolve construction issues, escalating issues as necessary before they become problems.
Handle other construction-monitoring duties as needed.