Commercial Banking Relationship Manager - San Antonio

Relationship Manager

PlainsCapital Bank is seeking results-driven Relationship Managers to join our team. This role is responsible for originating, structuring, and managing Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans within the market. Relationship Managers will cultivate long-term client relationships, drive loan and deposit growth, provide consistent oversight and administration to ensure strong credit quality and be involved and invested in their local community.

The ideal candidate will have the ability to develop new business while also having strong credit underwriting skills to efficiently identify and structure opportunities that align with the bank's credit policy and risk appetite. This position requires a full relationship banking approach, including loans, deposits and treasury management, rather than a transactional focus.

The Relationship Manager will be responsible for managing an existing loan portfolio, sourcing new relationships, and partnering across the firm to deliver comprehensive financial solutions. This role also requires an active presence in the Texas business and civic community, leveraging a strong network to generate opportunities and sell the bank's full suite of products and services.

Responsibilities

Business Development & Relationship Banking

• Serve as a trusted advisor, providing customized financial solutions to business owners and real estate investors.
• Bank full relationships, ensuring clients utilize multiple services, including loans, deposits, treasury management.
• Proactively develop new C&I and CRE lending opportunities through direct prospecting, referrals, and industry engagement.
• Partner internally with Treasury Management, Wealth Management, and other business lines to provide comprehensive financial solutions.
• Maintain a wide variety of contacts within and outside the bank, actively contributing to key organizations, community groups and industry associations to expand market reach.

Credit & Risk Management

• Identify and structure transactions that align with the bank's credit policy and risk parameters.
• Conduct in-depth credit underwriting, analyzing borrower financials, cash flow, industry trends, and collateral to ensure sound credit decisions.
• Work closely with credit analysts and risk teams to package loan proposals for approval.
• Stay informed on financial markets, regulatory changes, and banking products to advise clients effectively.
• Closely monitor the assigned loan portfolio, identifying risks, collecting key information and proactively working with borrowers to mitigate potential issues.

Deal Execution & Collaboration

• Manage deals from inception to close, ensuring smooth execution and adherence to bank credit and compliance standards.
• Work closely with senior leadership, legal, and credit teams to finalize loan structures and terms.
• Partner with internal stakeholders to ensure seamless onboarding and implementation of financial solutions.

Qualifications

• Bachelor's degree.
• 5+ years of commercial lending experience, with expertise in C&I and CRE financing
• Formal credit training (Commercial Credit Certification or equivalent underwriting experience)
• Strong knowledge of credit underwriting, financial statement analysis, and loan structuring
• Proven ability to source, develop, and close commercial loan transactions in Texas
• Deep relationships with business owners, developers, and financial professionals across Texas markets.
• Strong partnership mindset, with experience collaborating across Treasury, Wealth, Credit, and other divisions to serve clients holistically
• Ability to balance business development with strong risk management discipline.
• Strong negotiation, communication, and relationship management skills.
• Ability to travel within Texas for client meetings and industry engagements
• High interest in and involvement in the communities where we live and work.
• Strong knowledge and application of Salesforce and MS Office products, including Outlook, Excel, Word, and PowerPoint.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.