Commercial Relationship Manager IV

SUMMARY & OBJECTIVES It is the responsibility of the Commercial Relationship Manager IV to take ownership of all tasks and challenges in the operation of their assigned position. The role is responsible for developing new business through sales efforts in a South State metropolitan market, managing a complex loan and deposit portfolio, analyzing financial information to evaluate credit worthiness, compiling loan packages, selling and cross‑selling additional products and services, and ensuring compliance with State and Federal regulations and bank policies. Success is measured by calling activity, proposal generation, revenue generation, risk mitigation, and the ability to build successful internal and external relationships. ESSENTIAL FUNCTIONS Participate in a business development plan to increase the loan and deposit portfolio of commercial clients within the South State metro market. Develop consultative relationships with prospects and clients to add value by delivering appropriate banking solutions. Manage the flow of loan and deposit requests through the appropriate channels to ensure credit quality, responsiveness, structure, and pricing meet client needs and bank objectives. Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth, and Retail. Underwrite loan requests within the parameters of the Bank’s policies and procedures, ensuring accurate and complete loan packages for credit approval. Manage and service the assigned loan portfolio. Ensure all required documentation is in file for all loans and deposits. Address and correct documentation or compliance deficiencies noted by Loan and Deposit Operations or other reviews. Partner with Credit to properly risk‑grade each loan in the assigned portfolio and adjust grades as circumstances change or new information becomes available. Price each loan and deposit product according to current Bank pricing guidelines. Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from approved Bank pricing regulations. Demonstrate a commitment to fair lending practices. Maintain knowledge of all laws and regulations governing the lending activities of financial institutions. Ensure compliance with all applicable Bank policies and procedures, and all State and Federal regulations. Resolve client problems and assist with general inquiries. Provide superior service to existing clients. Build and maintain a positive working relationship with COIs and others in the community to enhance the Bank’s image and reputation in the marketplace. SKILLS Well‑developed sales, interpersonal, and negotiating skills. Excellent written and verbal communication skills. Basic accounting and credit skills. Detail oriented with a proven ability to prioritize complex work assignments. Proven analytical skills and the ability to evaluate credit worthiness. Proficiency in the use of basic office equipment, with emphasis on calculator and computer. Proficiency in Microsoft Word, Excel, and Outlook. QUALIFICATIONS, EDUCATION, AND CERTIFICATION REQUIREMENTS Education: A bachelor’s degree in business, finance, banking, or a related field is required. Graduation from a recognized school of banking is an asset. Experience: Minimum of 2‑5 years of commercial lending or portfolio management experience, including loan structuring and credit analysis responsibilities. Certifications / Specific Knowledge: Extensive knowledge of Bank products, services, procedures, and practices; in‑depth knowledge of Federal and State lending regulations and Bank lending policies; familiarity with the local business community; and all skills listed under “Skills.” TRAINING REQUIREMENTS / CLASSES Required annual compliance training and New Employee Orientation. PHYSICAL DEMANDS Must be able to effectively access and interpret information on computer screens, documents, and reports. The position requires large amounts of time in front of a computer, sitting or standing with use of the right desk. WORK ENVIRONMENT This position is in a private office. TRAVEL May require some travel from time to time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Equal Opportunity Employer, including disabled/veterans. Work Location: 3701 4th Street North, St. Petersburg, Florida 33704 #J-18808-Ljbffr