Commercial Banking Relationship Manager

Highlands Bank is seeking a Commercial Banking Relationship Manager to develop, manage, and grow a portfolio of commercial clients across Eastern West Virginia. This role is centered on building strong local commercial relationships, delivering tailored financial solutions, and supporting the continued growth of our communities.

The ideal candidate is someone who understands the value of community banking, enjoys being active in the local market, and takes pride in helping businesses succeed.

Two Positions
- Commercial Banking Relationship Manager

Two Locations
- Keyser, WV and Falling Waters, WV

Relationship Management & Business Development

• Develop and maintain strong relationships with local commercial clients through networking, referrals, and community involvement
• Manage and grow an existing portfolio of commercial loans and deposit relationships
• Serve as a trusted advisor by understanding each customer’s financial goals and operational needs
• Deepen client relationships by promoting bank products and services

• Knowledge of various types of financial statements, tax returns, and cash flow to assess creditworthiness
• Structure commercial loan requests that meet customer needs while aligning with bank credit standards
• Prepare credit memorandums and present loan requests for approval
• Monitor loan performance and proactively address potential risk concerns
• Ensure compliance with all bank policies, procedures, and regulatory requirements
• Monitor covenants, reporting requirements, and collateral values
• Partner with credit administration and loan operations for efficient processing and servicing

• Actively participate in community events, civic organizations, and local business groups
• Maintain awareness of local economic conditions and market trends
• Represent Highlands Bank as a trusted and engaged community partner

Required:

• Bachelor’s degree in Finance, Business, Accounting, or related field (or equivalent experience)
• 5+ years of commercial lending, credit analysis, or banking experience
• Strong understanding of financial statements, underwriting, and credit risk
• Excellent communication, relationship-building, and problem-solving skills
• Knowledge of banking regulations and compliance standards

Preferred:

• Experience working in a community bank environment
• Established relationships within the Eastern West Virginia market
• Formal credit training or lending certifications
• Relationship-focused with strong customer service orientation
• Sound judgment and risk management ability
• Strong analytical and decision-making skills
• Self-motivated with the ability to work independently and collaboratively
• High level of professionalism and integrity
• Primarily office-based with regular travel throughout Eastern West Virginia
• Participation in community and networking events

Highlands Bank offers a competitive benefits package, including:

• Health, dental, and vision insurance
• Life insurance
• Health Savings Account (HSA)
• Profit sharing
• Paid time off and holidays
• Performance based incentive plan

Highlands Bank is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.