VP​/Commercial Relationship Officer

Overview

Responsible for attracting, growing, and managing full commercial relationships to include loans, deposits, and treasury management services. CROs serve as the bank’s primary contact for business clients, delivering expertise, strategic insight, and tailored financial solutions that add lasting value. Success comes from developing trusted relationships, understanding each client’s full financial picture, and positioning the bank’s capabilities to help them operate efficiently, fund growth, and manage risk.

Play a key role in developing business, articulating Firstar’s value proposition, and delivering relationship-based pricing across credit, treasury, and deposits. In addition to traditional credit responsibilities, this role partners with Treasury Solutions Officers (TSOs) on operating and interest-bearing deposit acquisition, cash-flow optimization, and overall relationship profitability. Working collaboratively with TSOs, the CRO structures and delivers holistic solutions that drive client performance and bank profitability.

• Contribute to achieving market sales goals through developing and strengthening relationships with business clients and prospects through proactive calling, networking, and community involvement.
• Lead the origination, underwriting, and documentation process for commercial loans.
• Analyze financial statements, cash-flow trends, and operational patterns to recommend integrated credit and funding strategies.
• Partner with Treasury Solutions Officers to drive operating account growth and ensure deposit and treasury opportunities are captured.
• Serve as the strategic lead for client relationships by anticipating needs, identifying opportunities, engaging the right internal partners, and driving solutions that deepen the relationship and expand wallet share.
• Develop and maintain in-depth knowledge of Firstar’s products and services, and monitor competitors and competitive products; proactively promote bank products and services.
• Actively manage portfolio performance and profitability, including credit quality, cross-sell penetration, and deposit retention while applying appropriate collection methods as applicable.
• Work with Technical Exceptions (TE) to ensure Firstar’s security interests are perfected in a timely manner.
• Maintain positive relations with customers, discussing sensitive personal financial circumstances in a frank, tactful manner.
• Provide mentorship to less experienced team members to support their development and overall success.
• Participate in community and industry organizations to leverage local market networks and promote the bank’s brand, developing centers of influence to identify and pursue business opportunities.
• Understand and comply with Firstar Bank policies, laws, regulations, and the bank’s BSA/AML Program, including completing annual compliance training and adhering to internal controls; report known violations and any suspicious activity.
• Participate in bank/community activities with integrity, trustworthiness, and professionalism.
• Other duties as assigned.

• Review construction documentation for completeness and accuracy.
• Review and manage draw processes including budget overruns and project delays, and approve/disburse draw requests to ensure loans are not over-funded.
• Develop direct borrower relationships and retain relationships even after loan payoff.
• Identify and resolve construction issues during the construction process; escalate as necessary before problems arise.
• Perform other construction monitoring related duties as needed.