Commercial Relationship Manager I-III

Overview

This role is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the organization’s lending policies and procedures. The Commercial Relationship Manager I-III (CRM) develops and manages business checking, deposit, and lending relationships, promoting banking products and services through strong client relationships and internal referrals.

Depending on experience and level, the CRM may support commercial lending activities, independently manage a portfolio, or lead more complex commercial transactions while serving as a trusted advisor and contributing to portfolio growth and credit quality.

The position also offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.

Responsibilities

• Generate new leads through outbound calls, emails, networking, and in-person meetings.
• Build and maintain strong relationships with prospective and existing clients to drive long-term business opportunities.
• Use CRM systems to track interactions, update customer records, and manage pipeline activity.
• Interview prospective applicants and request specified information related to loan or credit applications; correspond or re-interview applicants to resolve questions regarding application information.
• Perform pre-qualification assessment and analysis of financial condition and risk of financing requests within the framework of the organization’s credit culture and current economic and industry trends.
• Gather and analyze information necessary to present financing requests to Senior Management or the Loan Committee for approval.
• Meet with existing or potential customers and visit sites of loans.
• Negotiate loan terms and conditions.
• Coordinate processing of approved loans, ensuring loans are processed according to agreement, customer needs, and compliance with lending policies.
• Obtain sufficient information/documentation from customers and solve problems related to processing and servicing of loans within the portfolio.
• Approve loan disbursements in accordance with agreements.
• Research credit inquiries and UCC filings to determine creditworthiness and ensure appropriate collateral positioning.
• Ensure that certification or deletion of collateral is completed by the appropriate personnel.
• Negotiate, underwrite, and process renewals of credit facilities.
• Approve loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorize commitment, engagement, auction, and decline letters.
• Contribute to branch and regional profitability by implementing cost controls, supporting income generation, and assisting with branch/region marketing efforts; monitor expenses to ensure compliance with budget.
• Verify funds with mortgage companies and contractors.
• Maintain and develop knowledge of the financial industry, economy, market conditions, rates, vendors, and competition.
• Represent the organization in community, civic, and community reinvestment functions to enhance image and develop additional business.
• Review NSF and overdraft reports for customers assigned within the portfolio; approve or decline exceptions within established lending limits.
• Provide deposit and loan account ratings.
• Update and correspond with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure precautionary actions or measures are taken.
• Achieve annual deposit and loan growth goals assigned by Senior Management.
• Provide leadership and training to less experienced loan officers and other staff.
• Embody core values and critical behaviors (Teamwork, Relationship, Authenticity, Commitment) to guide daily interactions and decision-making.
• Complete administrative tasks with a sense of urgency, including required compliance training.
• Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner.
• Positively represent the organization through ethical conduct and community involvement.
• Demonstrate understanding of and commitment to EEO policies; foster a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensure adherence to organizational policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations; ensure confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role.

Requirements

• Minimum 5 years of related experience in banking, financial services, or relevant industry (required).
• Bachelor’s degree from an accredited college or university preferred (e.g., Business, Finance, or related).
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Experience growing marketing and business development through direct customer engagement.
• Advanced math skills, including calculation of interest, commissions, proportions, and percentages; balancing accounts; and computing rate, ratio, and percent using whole numbers, common fractions, and decimals.
• Ability to cross-sell and explain products and services with confidence and authority.
• Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations required.
• Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution.
• Effective oral, written, and interpersonal communication skills; ability to apply common sense to carry out instructions, interpret documents and procedures, write reports and correspondence, and speak clearly to customers, vendors, and employees.
• Strong organizational and time management skills with attention to detail.
• Proficient teamwork and relationship skills to support cross-functional collaboration.
• Willingness to take on special projects and perform other duties as assigned beyond core responsibilities.
• Commitment to continuous learning and professional development.
• Ability to maintain authenticity and integrity in professional interactions.
• Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
• Ability to work independently with minimal supervision and as part of a team.
• Proven ability to adapt to changing priorities and procedures.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties.

Preferred Qualifications

• None stated.

Compensation & Benefits

In addition to base compensation, this role offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.

Benefits include:

• Medical, dental, and vision coverage
• Life insurance
• Paid vacation
• 401(k) retirement plan
• Training and development opportunities
• Tuition reimbursement
• Employee Assistance Program
• Internal job postings and referral program
• Employee ownership through an ESOP program

Location

• The position involves an office or home office environment.
• Physical tasks may include writing, typing, speaking, lifting moderate weights, and operating office equipment; sitting, walking, and reaching.
• Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
• Travel up to 75%, including frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions, which may include long-distance flights, overnight stays, and local transportation.