Commercial Banking Relationship Manager

CB&S Bank; Birmingham (AL); On-site; USD 70,000 - 110,000; Full time

Job summary

CB&S Bank in Birmingham, AL seeks a Commercial Loan Manager to develop and manage commercial loan accounts, maximizing profitability while controlling risk. You will lead a lending team and drive growth through cross-sells and referrals.

You will evaluate credit, analyze financial statements and tax returns, negotiate terms, and ensure compliance with lending policies. Strong leadership and business development skills are essential.

Qualifications

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or equivalent business related experience.
• Two to three years of commercial and consumer lending experience. Supervisory experience is a plus.
• Proven knowledge of loan policies and procedures.
• Ability to work independently, establish priorities and procedures, and meet established goals.
• Proven ability to motivate staff in sales.
• Strong personal leadership skills, organizational skills, and excellent communication skills, both verbal and written.
• Demonstrated ability to communicate complex issues, both orally and written.
• Ability to analyze and summarize complex financial information, make presentations, and make recommendations.
• Ability to travel to various locations to meet with customers and bank personnel.
• Strong business development, customer relations, and decision-making skills are essential.

Responsibilities

• Promote the bank's products and services to commercial customers.
• Service and expand existing commercial loan accounts; cross-sell and refer opportunities.
• Assist in implementing new products or programs to improve service and growth.
• Achieve sales, service & retention goals.
• Supervise lending assistants, administrative staff, and customer service representatives; conduct reviews and training.
• Negotiate credit terms and collateral specifications.
• Monitor credit quality; analyze reports, tax returns, financial statements, cash flows and pricing.
• Develop referral sources for additional business.
• Notify customers of loan maturities and renewals; ensure timely documentation.
• Participate in Loan Committee meetings and special projects as assigned.
• Interview loan applicants, analyze financial information and present loan decisions; follow lending authority guidelines.
• Manage a loan portfolio with sound banking practices and profitability.
• Engage in community activities and promote the bank's services.

Skills

Lending experience

Staff supervision

Loan policies & procedures

Communication skills

Financial analysis

Business development

Travel

Customer relations

Education

Bachelor degree in accounting/finance

Job description

CB&S Bank in Birmingham, AL seeks a Commercial Loan Manager to develop and manage commercial loan accounts, maximizing profitability while controlling risk. You will lead a lending team and drive growth through cross-sells and referrals.

You will evaluate credit, analyze financial statements and tax returns, negotiate terms, and ensure compliance with lending policies. Strong leadership and business development skills are essential.