Commercial Relationship Manager - CRE

Summary This position is located at our Denver, CO Cherry Creek branch. The Commercial Relationship Manager serves as an intermediate level commercial banking position with responsibilities ranging from business development using a small business platform to supporting senior bankers as an apprentice relative to portfolio management and experience with complex credit functions. This role drives shareholder value through a collaborative effort to generate quality earnings through interest income growth, maintain margin and credit quality, and generate non‑interest income through collaboration with business partners while simultaneously understanding the importance of expense control. Essential Duties and Responsibilities Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms. Initiates and develops new business through outside business development activities. Ensures ongoing contact with new clients to enhance the client’s experience with First Interstate Bank. Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings. Uses internal customer sourcing software to generate leads, track activities, and make referrals to requisite business partners and bankers. Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve. Builds client and prospect referral pipeline via identification and development of internal and external centers of influence. Develops and maintains an in‑depth knowledge of products and services as well as knowledge of competitors and competitive products. Proactively promotes bank products and services and keeps clients informed of all the financial solutions First Interstate Bank has to meet their needs. Assembles cross‑functional team to respond to customer requests when not able to address requests personally. Recognizes when and how to bring in teams of experts, as well as identify cross‑sell opportunities. Analyzes credit to determine the ability of clients to qualify for borrowing requirements. Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring, and portfolio management activities; assures accurate risk assessment of assigned portfolio. Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms. Researches and studies industrial, commercial, economic, and financial situations relating to existing and new business. Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities, which includes keeping up to date on regulation changes and following all bank policies, procedures, and compliance regulations and completes all required annual training. Actively engages, demonstrates, and fosters the First Interstate Bank Mission, Vision and Values by executing the Service Commitments. Knowledge, Skills, and Abilities Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash flow analysis. Possesses strong knowledge of commercial lending policies, procedures, practices, and documentation. Demonstrates understanding of the bank’s risk‑rating system, credit products, and underwriting policies; has working knowledge of structuring credit products for small and medium‑sized businesses across diverse industries. Demonstrates proficient written and verbal communication skills, including strong presentation abilities. Works effectively with individuals and teams across the organization to manage customer relationships. Proficient with Microsoft Word, Excel, and Outlook; PowerPoint experience is beneficial. Displays initiative and sound judgment. Ability to prioritize tasks and remain adaptable under pressure. Ability to read, analyze, and interpret common financial reports and legal documents. Ability to respond effectively to inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply mathematical concepts such as fractions, percentages, ratios, and proportions to practical situations. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret a wide range of technical instructions presented in mathematical or diagram form and to work with abstract and concrete variables. Education and Experience Bachelor’s Degree in Business, Finance, or a related field required. 4–6 years of experience in commercial lending, commercial credit underwriting, or the equivalent combination of education and experience required. Physical Demands and Working Environment Dexterity of hands/fingers to operate computer keyboard and mouse – frequently. Sitting – frequently. Standing – occasionally. Noise level – moderate. Typical work hours – M‑F (8‑5). Regular and predictable attendance – required. Travel – as needed. Compensation and Benefits The pay range for this position is $91,300 to $150,700 per year in CO and depends on a variety of non‑discriminatory factors including, but not limited to, job‑related knowledge, skills and experience, education, and geographic location. Benefits include medical, dental, vision, short‑term and long‑term disability benefits, life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hour worked which equates to approximately 18 days per year inclusive of paid sick time), and up to 11 paid Federal holidays. For more information regarding our benefits, visit #J-18808-Ljbffr First Interstate