Business Banking Officer

MRISpokane; Lubbock (TX); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Uncapped production-based incentives

Quarterly incentive opportunities

Annual performance compensation

Job summary

MRISpokane in Lubbock, Texas, is seeking an experienced Business Banking Relationship Manager to combine an existing portfolio with meaningful new‑business development. You will actively develop lending, deposits and treasury relationships throughout the Lubbock market, serving privately held businesses and balancing credit discipline with growth goals.

The ideal candidate has 3+ years in business banking, strong credit and relationship skills, and established Lubbock market relations are

Qualifications

• 3+ years of business/commercial banking experience.
• Proven track record of new-business development.
• Strong credit, underwriting and portfolio-management skills.
• Established relationships in Lubbock market preferred.
• Bachelor's degree or equivalent experience in finance preferred.

Responsibilities

• Develop new commercial relationships through prospecting and referrals.
• Manage and expand an existing business-banking portfolio.
• Originate loans, deposits and treasury relationships.
• Serve as primary advisor to privately held businesses.
• Review financial statements and collateral for credit decisions.
• Coordinate treasury and other financial solutions across the organization.
• Build COI relationships with attorneys, CPAs in the Lubbock community.
• Maintain disciplined pipeline and CRM activity.
• Participate in the Lubbock business community.

Skills

New business development

Credit analysis

Relationship management

Portfolio management

Lubbock market knowledge

Financial statement analysis

Education

Bachelor's degree or equivalent

Tools

CRM system

Job description

Business Banking Relationship Manager

Location: Lubbock, Texas | In-office / market-based

Opportunity Overview

A well-capitalized regional banking organization is adding an experienced Business Banking Relationship Manager in Lubbock.

This opportunity is designed for a commercially minded banker who wants to combine an existing portfolio with meaningful new‑business development. The successful candidate will serve privately held businesses while actively developing new lending, deposit and treasury relationships throughout the Lubbock market.

The role is particularly attractive for a banker who enjoys hunting, values disciplined credit, and wants a platform capable of supporting and executing sophisticated commercial relationships.

What Makes This Opportunity Different

• Existing client portfolio combined with significant business‑development opportunity
• Uncapped production‑based incentive compensation
• Quarterly incentive opportunity plus annual performance compensation
• Strong credit, underwriting and portfolio‑management support
• Meaningful ability to execute appropriate transactions
• Broad commercial lending and treasury capabilities
• Local relationship‑banking environment supported by larger institutional resources
• Clear production expectations and performance accountability
• Opportunity to build a meaningful long‑term presence in the Lubbock business community

Responsibilities

• Develop new commercial relationships through direct prospecting, client referrals and centers of influence
• Manage and expand an existing portfolio of business‑banking clients
• Originate commercial loans, deposits and treasury‑management relationships
• Serve as the primary banking advisor to privately held businesses
• Understand client cash flow, profitability, working‑capital needs and strategic objectives
• Structure and negotiate commercial credit facilities
• Partner with underwriting and portfolio‑management resources through the credit process
• Manage portfolio credit quality and identify emerging risks
• Review financial statements, collateral, covenant compliance and relationship performance
• Coordinate treasury and other financial solutions across the organization
• Develop meaningful relationships with attorneys, CPAs and other community referral sources
• Maintain disciplined pipeline and CRM activity
• Participate actively in the Lubbock business community

Ideal Candidate Profile

• 3+ years of business or commercial banking experience preferred
• Demonstrated record of new‑business development
• Established Lubbock or surrounding‑market relationships strongly preferred
• Strong understanding of commercial lending and credit
• Experience analyzing business financial statements and cash flow
• Ability to structure term loans, revolving facilities and commercial real estate transactions
• Experience generating deposits and treasury relationships in addition to loans
• Comfortable balancing portfolio management with significant prospecting expectations
• Formal credit training is highly valued
• Experience within a regional, national or sophisticated commercial banking platform is attractive
• Bachelor's degree or equivalent professional experience
• Finance, accounting or related education preferred

Preferred Business Characteristics

The successful candidate will typically have experience serving privately held companies with annual revenues generally below approximately $20MM.

Experience originating commercial credit relationships up to approximately $5MM is particularly relevant.

Candidates should demonstrate balanced relationship development across:

• Commercial loans
• Operating deposits
• Treasury‑management services
• Commercial real estate
• Revolving credit facilities
• Term financing

Not a Fit If You

• Primarily want to manage an existing portfolio without developing new business
• Depend on inbound leads for the majority of your production
• Are uncomfortable with measurable production expectations
• Prefer lending without developing broader deposit and treasury relationships
• Lack fundamental commercial credit and financial-analysis skills
• Do not want to actively prospect and build COI relationships
• Prefer an environment without structured credit processes or accountability
• Intend to cover Lubbock only occasionally from another distant market

Compensation

Competitive base compensation is paired with a production‑driven incentive structure designed to reward successful relationship development.

Variable compensation is uncapped, with quarterly incentive opportunities and additional annual performance compensation based on achievement of balanced production objectives.

For experienced producers, transition economics may be structured based on current compensation, production history and the circumstances surrounding a move.

Final compensation will depend on experience, demonstrated production, market relationships and overall fit.