Commercial Banking Relationship Manager I

Woodforest National Bank; Houston (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading community bank in Houston, Texas is seeking a Commercial Banking Relationship Manager I to manage banking products and services, while developing and maintaining relationships with clients. The ideal candidate will have 2-4 years of commercial lending experience, excellent customer service skills and proficiency in cash management products. This is a full-time position with opportunities for professional growth and competitive benefits.

Qualifications

• 2-4 years of Commercial Lending experience required.
• Credit Analyst training either through a formal bank program or direct work experience required.
• Bank Portfolio Management experience required.

Responsibilities

• Identifies business development opportunities with prospects or current customers.
• Responsible for sourcing and independently generating 50% or more of new business.
• Serves as Relationship Manager providing ongoing customer service support.

Skills

Customer service skills

Sales and negotiation skills

Communication skills

Critical thinking

Organizational skills

Technology skills

Education

Bachelor’s Degree in Business Administration, Finance, Marketing, Accounting or related field

Tools

Microsoft Office (Excel, Word, SharePoint)

Bancline

Mozart

Job description

Take the next step toward your new career today!

Become a part of the diverse and inclusive team within our nationally recognized award‑winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee‑owned banks in the country!

The Commercial Banking Relationship Manager I is responsible for developing and managing a diversified banking products and services portfolio. This includes identifying and marketing lending opportunities, coordinating, and participating in loan structuring, underwriting, origination, servicing; and engaging in full‑cycle relationship management and cross‑selling cash management, merchant, and wealth management opportunities.

Key Responsibilities

• Identifies business development opportunities with prospects or current customers; markets and provides counsel on the Bank’s credit and cash management products and services.
• Responsible for sourcing and independently generating 50% or more of new business.
• Collects application documents, works with the credit analysts to assess client’s financial condition; determines credit risk and makes loan structuring and underwriting decisions within approval authority or seeks appropriate joined approval authority; coordinates closing and the completion and review of final documents.
• Serves as Relationship Manager by providing ongoing customer service support and guidance to existing and new clients and client decision makers; maintains up‑to‑date client files, manages renewals, and processes servicing requests such as collecting past due payments, exception clearing, responding to information inquiries and facilitating transfer and draw requests.
• Maintains current and in‑depth knowledge on banking and lending products, policies, procedures, and regulatory requirements, as well as market and industry activities and trends.

Competencies Required

• Excellent external and internal customer service and relationship management skills with the ability to convey a positive attitude and maintain a high degree of confidentiality, diplomacy, tact, and salesmanship.
• Proficient sales, negotiating and implementation skills.
• Proven ability to effectively promote all bank products and services.
• Excellent written and verbal communication skills with effective sales acumen.
• Strong practical knowledge of commercial banking and lending products, policies, procedures, regulatory guidelines, and market trends.
• Developed critical thinking and decision‑making skills with the ability to interpret and analyze financial and credit information.
• Excellent organizational skills with proven ability to prioritize and manage workload and to instill a sense of urgency in others as necessary to meet deadlines.
• Solid technology skills, including ability to navigate and search related websites, and intermediate proficiency with Microsoft Office (Excel, Office, Word, and SharePoint) and banking software applications (Bancline, Mozart).

Job

Lending

Primary Location

Texas‑Houston

Schedule

Full‑time

Work Locations

TX - MM‑Houston‑9211

Minimum Qualifications/Experience

• 2‑4 years of Commercial Lending experience required.
• Credit Analyst training either through a formal bank program or direct work experience required.
• Bank Portfolio Management experience required.
• Proficient knowledge of cash/treasury management products and services preferred.
• Prior sales experience with individual sales goals where goals were met or exceeded routinely, preferred.

Formal Education & Certification

• Bachelor’s Degree in Business Administration, Finance, Marketing, Accounting or related field preferred.

Work Status

Full‑Time.

Supervisory Responsibility

0 - 2 direct reports.

Travel

Up to 10% travel is expected, with more travel possible depending on clients.

Working Conditions

Conditions involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, folders, etc.

Disclaimer

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Woodforest is an Equal Opportunity Employer, including Disability and Veterans.