Commercial Relationship Manager

Job Description

Job Description

Position Summary 
Responsible for developing new business as well as maintaining and servicing a commercial loan portfolio. Represent the bank in its market area through active participation in community affairs.

Essential Duties and Responsibilities
The essential functions include, but are not limited to the following:

• Develop and manage a portfolio of business banking relationships, ensuring high-quality service, retention, and growth.
• Identify client needs and recommend appropriate credit, deposit, and treasury solutions through structured interviews, financial analysis, and consultative conversations.
• Generate new commercial relationships through proactive business development, including networking, referrals, outbound calling, and active participation in community and industry events.
• Structure, and present commercial credit requests, ensuring compliance with bank policies, regulatory requirements, and sound credit principles.
• Manage the full credit lifecycle, including renewals, modifications, annual reviews, covenant monitoring, and collection activities when necessary.
• Collaborate with internal partners such as credit, treasury management, retail banking, and operations to deliver seamless client experiences.
• Maintain strong working relationships with centers of influence, including accountants, attorneys, real estate professionals, and community organizations.
• Exercise sound judgment and decision-making in credit recommendations, portfolio management, and customer interactions.
• Perform other duties as assigned to support departmental and organizational goals.

  Minimum Qualifications (Knowledge, Skills, and Abilities)

• Batchelor’s Degree in Business Administration or relation area; or equivalent work experience and/or a combination of both.
• Minimum of five years of experience in Commercial Lending with a preference for existing experience within service area and Credit training.
• Ability to generate new loan growth.
• Strong written and verbal communication skills along with proficiency in Microsoft Office Suite of Programs/Products.
• Ability to read, analyze, and interpret policies, contracts, credit, and financial documents as well as other legal documents as needed.
• Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.
• Willingness to attend functions and meetings outside normal working hours.

Benefits:

• Competitive salary
• 401(k) 
• Employee Stock Ownership Plan
• Health/Dental/Vision insurance
• Bank paid Life Insurance
• Paid Holidays
• Paid time off
• Opportunity for advancement

Physical Demands and Work Environment 
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers, handle or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; and reach with hands and arms. The employee could occasionally lift and/or move up to
20 pounds. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. Must have flexibility to deal with changing work hours and locations as needed. The noise level in the work environment is usually low to moderate.

Note
This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at will” relationship.