Sr Commercial Relationship Manager II; Detroit Area

Responsibilities

• Handle multi-faceted client relationships to generate loans, deposits, and fees.
• Determine credit eligibility, prepare loan narratives, and ensure loans meet appropriate criteria.
• Cross-sell a wide variety of products.
• Market products and services, including preparing for client calls, making sales calls, and call follow‑up.
• Monitor and enhance profitability on all assigned relationships.
• Develop new and expand existing client relationships through business development activities.
• Grow and maintain a profitable book of business (loans and deposits) to achieve individual and market goals.
• Qualify prospects by collecting and analyzing financial data to determine creditworthiness.
• Prepare and oversee loan approval requirements including underwriting to meet borrower and bank needs.
• Obtain appropriate approval for credit and negotiate terms including pricing, fees, costs, repayment method and schedule, and collateral.
• Manage portfolio by monitoring credit quality, past‑due credits, non‑performing and credit exceptions, covenant compliance, and credit exceptions of the active portfolio.
• Represent the bank in community, civic and professional organizations.
• Refer loans to loan committee for approval.
• Understand clients’ financial goals and provide credible advice recommending products that fit holistic needs.
• Collaborate with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing, Documentation teams and senior management.
• Participate in bank marketing and sales promotions and initiatives designed to promote strategic priorities.
• Comply with all bank, loan and regulatory guidelines and policies.

• Bachelor’s degree.
• Ten (10) years of proven relationship/account management experience selling banking products in the appropriate segmentation.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well‑developed analytical and problem‑solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience.
• Marketing oriented.
• Ability to work effectively with individuals and groups managing customer relationships.
• Well versed in product knowledge.
• Credit training, credit quality and underwriting experience, including financial analysis.

• Experience working in Capital Markets and/or within the Middle Market space ($75MM+).
• Experience in Structured Finance, Asset Based Lending (ABL), ESOP, and/or leading syndicated transactions.

$130,000/annually to $210,000/annually.

The associate is responsible for meeting all compliance requirements imposed on the bank by State and Federal law and regulation, as well as all related bank policies and procedures, including BSA, AML, OFAC, Suspicious Activity reporting, and other lending and deposit compliance requirements.

This is an equal opportunity employer. We do not discriminate against individuals on the basis of age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, or veteran/military status.