The Commercial Relationship Manager is responsible for managing and growing a portfolio of business clients by delivering customized financial solutions, including developing new business opportunities, maintaining strong client relationships, and ensuring the profitability and credit quality of the portfolio.
Requirements
- Serve as the primary point of contact for a portfolio of commercial clients
- Build and maintain long-term relationships with business owners, CEO/President, CFOs, and other key decision-makers
- Conduct regular client reviews to assess financial needs and satisfaction
- Analyze financial statements and assess creditworthiness of clients
- Structure and negotiate commercial loans and credit facilities
- Work with credit analyst to assist with the underwriting of credit proposal
- Approves loans within specified limits or present loans to loan committee for approval
- Monitor portfolio performance, including loan covenants, renewals, and risk ratings
- Identify and mitigate potential risks within the portfolio
- Ensure compliance with internal policies and regulatory requirements
- Identify and pursue new business opportunities through networking, referrals, and market research
- Actively promote products and services and refer existing and potential customers to Treasury Management, Private Banking, and Wealth and Asset Management
- Collaborate with product specialists to deliver comprehensive financial solutions
- Work closely with credit analysts, commercial services, and operations teams to ensure smooth onboarding and servicing of clients
- Participate in team meetings
- Ensures loan documents are complete and accurate according to policy
Benefits
- Medical, Dental, Vision & Life Insurance
- 401K with company match
- Paid Time Off & Recognized Holidays
- Leave policies
- Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
- Employee Assistance Program
- Employee Health & Wellness Program
- Special Loan and Deposit Rates
- Gradifi Student Loan Paydown Plan
- Rewards & Recognition Programs