Commercial Relationship Manager

Job Summary The Commercial Relationship Manager is responsible for developing, retaining, and growing commercial business relationships. Primary Responsibilities Conduct client/prospect development on a daily or weekly basis depending on client availability. Build knowledge of all clients and prospects by completing in-depth profiling of commercial business owners and other principals. Understand the needs of customers, recommend the appropriate product, service or solution. Work closely with all areas of the bank and other partners to understand all commercial clients (and business owners) needs. Consult with clients to understand their objectives, effectively identify financial needs, promote and implement appropriate financial solutions. Work closely with the Treasury Management team to ensure commercial customers/prospects needs are properly matched with appropriate depository, cash management, and investment needs. Provide exception-level customer service by handling requests directly or referring to the appropriate channel to best meet the customer’s needs. Proactively solicit new business relationships. Collect and analyze financial and related data to determine general creditworthiness of commercial customers/prospects and merits of specific credit requests. Understand and analyze financial statements, tax returns and other financial documents to make accurate credit decisions. Have thorough understanding of banking operations including all products and tools necessary for serving and maintaining commercial client relationships. Develop information and make loan presentations to appropriate loan committees when required. Establish and negotiate terms under which credit will be extended when necessary. Monitor loan repayment activities and take necessary action to collect from past‑due accounts. Participate in community affairs to increase bank visibility and enhance new business opportunities. Promote a positive spirit by contributing to balancing team and individual responsibilities. Perform other duties as assigned. Supervisory Responsibilities May supervise 1–2 employees, including directing and managing workload, creating and managing work schedules, approving time‑off requests, ensuring performance remains at an acceptable level, and other managerial type duties as needed. Qualifications and Skills Bachelor’s degree. Minimum of three years of relationship management experience required (preferably with commercial or small‑business customers). Minimum of five years of credit experience as gained through credit analyst, loan portfolio management, loan review, or equivalent positions, with proven ability to understand and analyze financial statements, tax returns, and other financial documents to make sound credit decisions. Minimum of three years of banking experience with general knowledge of bank operations and specific knowledge of Treasury Management, depository, and other products typically used by commercial customers. Excellent communication skills, including the ability to listen attentively and convey a response that promotes a positive impression. Ability to work effectively and independently with little supervision. Strong business development and people skills to effectively promote and represent the bank in all situations, whether during or after business hours, including identifying opportunities and referring clients to the appropriate person. Computer and Office Equipment Skills Microsoft Office Suite including Word, Excel, and PowerPoint. Physical Requirements Regularly required to sit for long periods, walk, stand, talk, hear, use hands and fingers (manual dexterity), use a telephone, and occasionally lift or move up to 25 pounds. Specific vision abilities required: close vision and ability to adjust focus. Mental Requirements Ability to solve problems, make decisions, interpret data, organize information, and read/write effective written and oral communication. Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities Encore Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, age, ancestry, citizenship, sex, sexual orientation, gender identity, national origin, marital status, genetic information, physical or mental disability, veteran status, or any other characteristic protected by law. Offered Benefits Medical Dental Vision Employer Paid Life Insurance Supplemental Life Insurance Employee Stock Program 401(k) #J-18808-Ljbffr