Commercial Relationship Manager -III

Commercial Relationship Manager I-III (CRM) About the Role

The Commercial Relationship Manager I-III (CRM) is responsible for soliciting, negotiating, underwriting, and coordinating the closing of equipment, commercial real estate, and business loans in compliance with the Bank's lending policies and procedures. This role develops and manages business checking, deposit, and lending relationships while promoting the Bank's products and services through strong client relationships and internal referrals.

Depending on experience and level, the CRM may support commercial lending activities, independently manage a portfolio, or lead more complex commercial transactions, all while serving as a trusted advisor to clients and contributing to portfolio growth and credit quality.

In addition to base compensation, this role offers the opportunity to earn performance-based incentives through participation in multiple incentive plans.

• Generates new leads through outbound calls, emails, networking, and in-person meetings.
• Builds and maintains strong relationships with prospective and existing clients to drive long-term business opportunities.
• Uses CRM systems to track interactions, update customer records, and manage pipeline activity.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visits sites of loans; negotiates loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites, and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, auction, and decline letters.
• Contributes to the overall profitability of the branch and region; implements costs controls, income generation, and branch and region marketing efforts; monitors expenses to ensure compliance with budget.
• Verifies funds with mortgage companies and contractors.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Provides deposit and loan account ratings.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Responsible for achieving annual deposit and loan growth goals assigned by Senior Management.
• Provides leadership and training to less experienced loan officers and other staff members.
• Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making.
• Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement.
• Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
• Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate…