Commercial Banking Relationship Manager

Kids for the Future; Five Points (AL); On-site; USD 60,000 - 95,000; Full time

Job summary

River Bank & Trust is seeking a Relationship Manager to build and manage a profitable portfolio of commercial and consumer loans and deposits. You will act as a trusted financial partner, grow the customer base, deliver responsive service, and represent the bank in the community.

You will balance growth with credit judgment, regulatory compliance, and hospitality. Strong credit skills and client development are essential for success in this role.

Qualifications

• High school diploma or equivalent required; bachelor’s degree in business, finance, accounting, or related field preferred, or equivalent banking experience.
• Minimum of two years of lending, business development, relationship management, or comparable banking experience; commercial lending experience preferred.
• Working knowledge of lending principles, credit analysis, loan documentation, banking products, and applicable federal and state banking regulations.
• Demonstrated ability to develop business, build lasting customer relationships, and communicate effectively with customers, colleagues, and community partners.

Responsibilities

• Develop new loan and deposit relationships through proactive calling, networking, referrals, centers of influence, and community involvement.
• Deepen existing relationships by understanding each customer’s business, financial goals, and banking needs; connect customers with appropriate products and services.
• Maintain and actively manage a loan and deposit pipeline; track development, opportunities, and growth.
• Interview borrowers; collect and analyze financial information; assess creditworthiness and risk.
• Structure and recommend credit solutions aligned with customer needs and regulations.
• Approve loans within authority and prepare loan presentations for approvals.
• Partner with credit, operations, treasury, retail, mortgage, wealth, and other teams to ensure a seamless experience.
• Maintain complete, accurate credit files and documentation.
• Monitor portfolio for credit quality, delinquencies, and risks; take timely action.

Skills

Financial analysis

Business development

Credit analysis

Communication

Education

High school diploma

Bachelor’s degree preferred

Tools

CRM

Microsoft Office

Banking software

Job description

River Bank & Trust is seeking a Relationship Manager to build and manage a profitable portfolio of commercial and consumer loans and deposits. You will act as a trusted financial partner, grow the customer base, deliver responsive service, and represent the bank in the community.

You will balance growth with credit judgment, regulatory compliance, and hospitality. Strong credit skills and client development are essential for success in this role.