Commercial Relationship Manager

Overview The Commercial Relationship Manager is an intermediate-level commercial banking position responsible for business development and portfolio management. The role targets a loan portfolio of $20–$50million, 50+ bank relationships, and $1.1million in revenue while driving revenue growth and maintaining credit quality. Responsibilities Achieve annual production and growth goals for loans, deposits, and fees to meet overall financial targets. Initiate and develop new business through outside development activities. Maintain ongoing contact with clients and enhance their banking experience. Analyze clients’ financial data to identify needs and opportunities. Use internal customer‑sourcing software to generate leads, track activities, and refer to appropriate business partners. Participate in community organizations to source business development opportunities. Build a client and prospect referral pipeline through internal and external centers of influence. Maintain an in‑depth knowledge of products, services, and competitors. Promote bank products and keep clients informed of available solutions. Assemble cross‑functional teams to respond to customer requests when direct resolution is not possible. Recognize and leverage cross‑sell opportunities. Analyze credit to determine client eligibility for borrowing. Assume ultimate accountability for portfolio activities, including underwriting, structuring, and asset‑quality management. Follow up on existing loans to ensure compliance with procedures and terms. Research industrial, commercial, and economic environments related to existing and new business. Maintain compliance with all bank regulations and stay updated on regulatory changes. Participate in annual training and meet all regulatory requirements. Serve as a champion of the bank’s mission, vision, values, and service commitments. Qualifications Advanced credit analysis and commercial underwriting skills, including accounting, financial‑statement analysis, and cash‑flow analysis. Strong knowledge of commercial lending policies, procedures, and documentation. Understanding of the bank’s risk‑rating system, credit products, and underwriting policies. Proficient written and verbal communication, with strong presentation skills. Effective teamwork skills across the organization. Proficiency with Microsoft Word, Excel, Outlook; PowerPoint experience is beneficial. Strong initiative, sound judgment, and the ability to prioritize tasks under pressure. Ability to read, analyze, and interpret financial reports and legal documents. Ability to respond effectively to inquiries or complaints from customers and regulatory agencies. Comfortable working with mathematical concepts such as probability, statistical inference, fractions, percentages, ratios, and proportions. Capability to define problems, collect data, establish facts, and draw valid conclusions. Bachelor’s degree in Business, Finance, or a related field. Four to six years of experience in commercial lending or credit underwriting, or an equivalent combination of education and experience. Physical Demands and Working Environment Representative tasks include frequent sitting and standing, occasional exposure to moderate noise levels, and occasional travel as needed. Regular work hours are Monday‑Friday, 8a.m.–5p.m. Equal Opportunity Employer First Interstate Bank is an equal‑opportunity employer committed to a diverse workforce and a barrier‑free employment process. Employment is based solely on merit and qualifications directly related to the position. The company does not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristic protected by law. Reasonable accommodations are available for qualified individuals with disabilities. #J-18808-Ljbffr