Relationship Manager
Role Overview
Manage and grow a portfolio of mid-sized, moderately complex commercial accounts and lending relationships.
The work includes annual account risk and profitability reviews, problem-account monitoring, financial analysis, security evaluation, and credit recommendations.
The successful candidate has experience in medium-sized real estate and general industry lending, including working capital financing.
Key Skills for This Role
Full Job Posting
About the opportunity
Manage and grow a portfolio of mid-sized, moderately complex commercial accounts and lending relationships.
The work includes annual account risk and profitability reviews, problem-account monitoring, financial analysis, security evaluation, and credit recommendations.
The successful candidate has experience in medium-sized real estate and general industry lending, including working capital financing.
Business Banking practice
The practice provides customized business banking solutions and commercial banking services, including daily banking products, lending, cash management, insurance, and investments.
The organization emphasizes local member relationships and community impact.
What you will do
- Manage a profitable commercial financing portfolio and structure, negotiate, and document credit and cash management arrangements.
- Analyze balance sheets, cash flow, and business plans; build finance packages for members' credit and non-credit needs.
- Monitor account profitability, risk, economic conditions, industry trends, member needs, and competitor offerings.
- Generate credit and deposit opportunities through prospecting, referrals, networking, outbound calls, marketing, and cross-selling.
- Conduct due diligence, prepare credit submissions under company standards, and present them to the Regional Vice President.
- Provide high-quality member service and mentor colleagues on account management and credit structuring.
- Participate in company and community events and activities.
How you will succeed
- A university degree in Business, Finance, or a related discipline, or an equivalent combination of education and experience.
- Two to five years of progressive commercial lending experience in sales or service.
- Experience and expertise in medium-sized real estate and general industry lending, including working capital financing.
- Strong analytical understanding of balance sheets, cash flow mechanics, and business plans.
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