Business Banking Relationship Manager

Commerce Bank Business Banking Relationship Manager

Building a career at Commerce is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are.

Job Description

The main purpose of this job is to manage existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects. Although it can vary by market, targeted companies generally include those with annual sales of up to $20MM.

Essential Functions

• Participate in calling activities with assigned customers and target prospects with the objective to acquire new business
• Serve as the primary advisor for an assigned portfolio of diverse and complex commercial relationships to ensure a high level of customer satisfaction and retention
• Coordinate with product partners to cross-sell a full range of products and services
• Critically review and analyze portfolio to reduce risk and enhance profitability
• Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
• Facilitate the resolution of customer problems, engage product experts as needed
• Participate in community and business functions/groups and to establish referral contacts within the marketplace
• Ensure compliance with all Bank policies, procedures, regulations, and laws
• Manage a portfolio of commercial relationships with some or all of the following characteristics: average loan portfolio O/S of $75MM+, average deposit portfolio of $50MM+, and annual contribution of $750M+
• Perform other duties as assigned

Knowledge, Skills & Abilities Required

• Strong knowledge of full range of commercial products, credit policies, procedures and terminology
• Goal oriented with well developed sales skills
• Strong strategic, analytical, and problem-solving skills
• Strong credit analysis skills, persuasive and negotiation skills
• Excellent independent decision making skills, with minimal management oversight
• Ability to mentor, coach and provide informal leadership to team members
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Intermediate level proficiency with Microsoft Word, Excel and Outlook

Education & Experience

• Bachelor's degree or equivalent combination of education and experience required
• 8+ years of commercial banking experience required
• Experience with structuring complex credit requests preferred

For this position, federal regulations require Commerce Bank to prepare an investigatory consumer report which will disclose credit history. If you express interest in and are considered for this position, you will be asked to authorize that report.

For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record.

A reasonable estimate of the current base pay is $93,000 to $187,500 annually. This position will be eligible for additional compensation through performance-based incentive plan(s) that will correspond to meeting performance goals.

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.