Business Banking Relationship Manager

Commerce Bank; St. Louis (MO); On-site; USD 119,000 - 187,500; Full time

Job summary

Commerce Bank seeks a seasoned professional to manage and service a portfolio of commercial customers in St. Louis, focusing on building strong relationships and high customer satisfaction.

You will coordinate with relationship managers on loan opportunities and cross-sell banking products. The role requires driving performance in credit management, underwriting, and portfolio profitability while maintaining compliance with bank policies.

Qualifications

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

Responsibilities

• Manage and service a portfolio of commercial customers with high satisfaction and retention.
• Cross-sell appropriate products and services to relationships.
• Handle loan renewals, modifications, and credit reviews with regional managers.

Skills

Commercial banking

Credit policies

Analytical skills

Negotiation skills

Decision‑making

Attention to detail

Communication skills

Team player

Microsoft Word

Microsoft Excel

Microsoft Outlook

Education

Bachelor’s degree

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

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.

Compensation Range

Annual Salary: $119,000.00 - $187,500.00 (Amount based on relevant experience, skills, and competencies.)

About This Job

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, and work with the 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 Required

• 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.

Benefits

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, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.

Location: 8001 Forsyth Blvd, St. Louis, Missouri 63105

Time Type: Full time