Commercial Relationship Manager II

Summary / Objectives

• Has responsibility for developing new business through sales efforts in a South State metropolitan market.
• Manages a high level loan and deposit portfolio providing superior client service.
• Analyzes financial information to evaluate the credit worthiness of loan requests.
• Compiles loan packages ensuring completeness and accuracy of information provided.
• Sells and cross-sells additional products and services of the Bank.
• Assures that all loans are in compliance with State and Federal regulations and Bank policies and procedures.
• Success in the role is defined by efficacy in calling activity, proposal generation, revenue generation, risk mitigation, and the ability to build successful relationships internally and externally.

• Actively participates in a business development plan to increase the loan and deposit portfolio of commercial clients within a South State metro market.
• Develops consultative relationships with prospects and clients to add value by delivering appropriate banking solutions.
• Manages the flow of loan and deposit requests through the appropriate channels to ensure credit quality, responsiveness, structure, and pricing meet client needs and the Bank’s operating objectives.
• Collaborates effectively with Treasury Management, Sales Officers, Capital Markets, Wealth, and Retail teams.
• Underwrites loan requests within the parameters of the Bank’s policies and procedures.
• Ensures the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval.
• Manages and services the assigned loan portfolio, ensuring all required documentation is in file for all loans and deposits.
• Clears documentation or compliance deficiencies noted by Loan and Deposit Operations or other review.
• Partners with Credit to properly risk‑grade each loan in the assigned portfolio and adjusts risk grades as circumstances change or new information becomes available.
• Prices each loan and deposit product according to current Bank pricing guidelines.
• Documents the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations.
• Demonstrates a commitment to fair lending practices.
• Remains knowledgeable of all laws and regulations governing lending activities of financial institutions.
• Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations.
• Resolves client problems and assists with general inquiries.
• Provides superior service to existing clients.
• Builds and maintains a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace.

Education: A Bachelor’s degree in business, finance, banking, or a related field is required. Graduation from a recognized school of banking is an asset.

Experience: Minimum of 5–10 years of commercial lending experience, including previous loan structuring and credit analysis responsibilities.

Knowledge: Extensive knowledge of all Bank products, services, procedures, and practices; in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures; familiarity with the local business community is strongly preferred.

Skills: Well‑developed sales, interpersonal, and negotiating skills; excellent written and verbal communication skills; basic accounting and credit skills; attention to detail and ability to prioritize complex work assignments; proven analytical skills and the ability to evaluate credit worthiness; proficiency with basic office equipment, including calculator and computer; proficiency in Microsoft Word, Excel, and Outlook.

Required annual compliance training and New Employee Orientation.

Must be able to effectively access and interpret information on computer screens, documents, and reports. This position requires a large amount of time in front of a computer, sitting or standing with use of the right desk.

This position is located in a private office inside a cooled and heated facility with access to a break room or restroom during breaks.

This position may require some travel from time to time.

We are an Equal Opportunity Employer, including disabled/veterans.