Commercial Relationship Manager

Summary of the Job

This Senior Advisor / Commercial Banking Relationship Manager position is part of FNBO's community banking division located in Fort Collins, CO. The Relationship Manager focuses on delivering strategic advice and value to a portfolio of managed business customers while enabling customer growth and retention in alignment with FNBO's wholesale banking group behaviors. The RM will bring the bank to the customer by connecting business clients with appropriate specialists and bank products, including commercial loans, lines of credit, deposits, payment products, treasury services, global banking, commercial cards, and business planning services.

In addition to managing an existing customer portfolio, the RM will lead business development to grow commercial loan out standings, deposits, and fee income.

Help customers be successful by understanding customer needs and matching with FNBO solutions. This is achieved through proper use of the CRM system (Salesforce), the Precision Lender relationship pricing platform, frequent collaboration with team members, adapting to new processes, and respect for other roles and processes.

• Proper use of FNBO's CRM system (Salesforce)
• Proper use of Precision Lender (Relationship Pricing Platform)
• Frequent collaboration with Team Members to help serve and grow portfolio
• Adapt as needed to new processes and ways of working
• Be respectful of other roles and process

The Relationship Manager will manage portfolio relationships matching the skills, knowledge, and experience of the RM to the needs of the customers in their geographic framework.

• Customer types focused on: commercial loan/deposit relationships generally in excess of $250,000; typical company size 10–500 employees; closely held professionally managed businesses; a mix of for‑profit, non‑profit, and investor relationships.
• Deliver consultative advice and value based on the customers' financial needs and goals:
  • 50% time spent acquiring new business
  • 25% time spent growing existing business
  • 25% time spent servicing existing business
• Be accountable for managing a portfolio of commercial loan relationships
• Be accountable for managing a portfolio of commercial deposit relationships

* Volume‑based expectations will be measured per the RM dashboard/scorecard*

• Build a portfolio of business customers by delivering advice and value and creating centers of influence (attorney, accountants, and other needed referral sources).
• Guide, direct and facilitate solutions across all product specialties of the bank for business customers.
• Participate as an active community member.
• Identify new business customer opportunities and solutions aligned to match customer needs.
• Oversee portfolio quality focused on growth and retention in line with credit risk.
• Facilitate product partners and support teams based on customer needs.
• Negotiate terms and options with customers.
• Qualify and document opportunities.
• Set expectations with customers regarding timeline and product document requirements.
• Leverage technology and tools consistently for data quality.
• Use sales and prospecting tools and processes effectively.

• Partner with others across the enterprise to optimize referral opportunities to meet the needs of the business customer.
• Collaborate with partners across the enterprise to accelerate income and growth.

• Understand and comply with bank policy, laws, regulations, and the BSA/AML program as applicable.
• Complete compliance training and adhere to internal procedures and controls.
• Report any known violations of compliance policy, laws, or regulations.
• Report any suspicious customer or account activity.

• Exhibit professional behavior and maintain regular, predictable attendance.

• Bachelor’s Degree – preferred
• 5+ years of successful commercial lending relationship management experience – preferred
• Ability to build and grow a diverse portfolio of business products with professionally managed businesses.
• Self‑driven, customer‑focused thinker.
• Strong customer and…