Business Banking Relationship Manager

Mercantil Commerce Bank; Missouri; On-site; USD 117,000 - 184,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k)

Life insurance

Paid vacation

Paid personal time

Job summary

Commerce Bank in St. Louis, MO is seeking a Commercial Banking Relationship Manager to manage and grow a portfolio of commercial customers. You will analyze credit requests, structure loans, and collaborate with regional managers to cross-sell products.

The role requires a Bachelor's degree and 5+ years of commercial banking experience, with strong analytical, negotiation, and communication skills. Location: 8001 Forsyth Blvd, St. Louis, MO 63105.

Qualifications

• Bachelor’s degree or equivalent; 5+ years of commercial banking experience.
• Strong knowledge of commercial products, credit policies and terminology.
• Excellent analytical and problem-solving skills.
• Proven negotiation and relationship-management abilities.

Responsibilities

• Manage a portfolio of commercial relationships with high customer satisfaction and retention.
• Grow relationships by identifying new credit opportunities with relationship managers.
• Serve as primary advisor for a set number of relationships and cross-sell with team.
• Handle loan renewals, modifications, and underwriting input.
• Prepare loan presentations and credit reviews as needed.
• Monitor loan reporting, including past due, collateral and portfolio profitability.

Skills

Commercial banking knowledge

Credit underwriting

Negotiation

Analytical skills

Decision making

Relationship management

Driver's license

Communication skills

Team collaboration

Education

Bachelor’s degree

Job description

About Working at Commerce

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us. Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you. Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk. The main purpose of this job is to manage and service a portfolio of commercial customers, including expanding, building and maintaining strong customer relationships with a resulting high level of customer satisfaction.

Essential Functions

• Utilize a high degree of critical thinking skills in managing a large portfolio of diverse and complex commercial relationships
• Participate and target customer prospect calling activities with relationship manager as appropriate (especially those with active new credit opportunities)
• Serve as the primary advisor for a specific number of commercial relationships, ensure a high level of customer satisfaction and retention.
• Work with Team Leader on a semi-annual basis to assure that all appropriate products and services are being cross-sold to those relationships.
• Handle customer service requests for existing relationships, including loan renewals and modifications
• Work with regional managers on credit requests, including general underwriting, loan structuring, negotiating/pricing, collateral, and analyze industry/credit risk
• Complete all requirements of loan booking, including negotiating terms, the review of loan documentation and assist in the closing process
• Manage annual credit review schedule for team of relationship managers.
• Prepare loan presentations and credit reviews as necessary.
• Handle reporting on loans, involving such things as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc.
• Work with respective regional managers in the credit management of all watch list credits
• Ensure compliance with all bank policies, procedures, regulations, and laws
• Perform other duties as assigned

Knowledge, Skills & Abilities

• Strong knowledge of full range of commercial products, credit policies, procedures and terminology
• Ability to maintain a valid driver’s license and meet Commerce Bank’s driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
• Excellent analytical and problem-solving skills
• Strong developed negotiation skills
• Strong independent decision-making skills, with minimal management oversight
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Intermediate level proficiency with Microsoft Word, Excel and Outlook

Education & Experience

Bachelor’s degree or equivalent combination of education and experience required 5+ years of commercial banking experience required.

For this position, federal regulations require Commerce Bank to prepare an investigatory consumer report which will disclose credit history. If you express interest in and are considered for this position, you will be asked to authorize that report.

For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you’ll be asked to authorize our review of that record.

Level of role is determined by knowledge, experience, skills, abilities, and education.

**For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Commercial Banking Relationship Manager III and Senior Commercial Banking Relationship Manager job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation.

A reasonable estimate of the current base pay of $116,500 to $184,000.

This position will be eligible for additional compensation through performance-based incentive plan(s) that will correspond to meeting performance goals.

The candidate selected for this position may be eligible for the following employment benefits:

• Employer sponsored health, dental, and vision insurance
• 401(k)
• Life insurance
• Paid vacation
• Paid personal time

In addition, we offer career development, education assistance, and voluntary supplemental benefits.

Location: 8001 Forsyth Blvd, St. Louis, Missouri 63105 Time Type: Full time

Commerce Bank has been awarded numerous awards for our company culture. We have been included on distinguished lists such as Forbes’ Best Midsized Employers, Forbes’ Best Employers for Women, and Korn Ferry’s Engaged Performance Award. You’ll see the difference for yourself when you join the team.

Why Commerce? Inclusion at Commerce

We celebrate diversity and do not discriminate based on race, color, ancestry, ethnicity, gender identity, gender expression, sex, sexual orientation, disability (including physical or mental handicap), age, veteran status, military status, national origin, religion, pregnancy status, marital status, genetic information, or any other status protected by applicable federal, state or local law.

Equal Opportunity Employer Commerce Bank is proud to be an Equal Employment Opportunity employer and believes that every individual should have the opportunity to work at a job for which he, she or they qualifies.