Commercial Relationship Manager

United Community; Cleveland (TN); On-site; USD 85,000 - 110,000; Full time

Job summary

United Community in Cleveland, Tennessee seeks an experienced Commercial Banking professional to manage and grow profitable client relationships. You will analyze financial statements, structure loans, and coordinate with credit analysts to ensure profitable, compliant lending and cross-sell bank services.

The role requires three years of banking experience, strong communication, and a proactive, team-oriented approach.

Qualifications

• Bachelor’s degree in business, economics, finance, or accounting or an equivalent combination of education and experience
• Minimum three years’ banking experience in credit analysis or lending
• Ability to analyze complex financial statements
• Strong sales and negotiation skills
• Excellent verbal and written communication
• Proficient in Microsoft Office
• Completion of commercial analyst training program

Responsibilities

• Manage and retain profitable client relationships
• Develop new business through active calling on clients and prospects
• Develop and maintain a strong COI network
• Research and develop leads using Vertical IQ, Business Browser or other tools
• Manage individual production versus assigned goals
• Recommend structure, terms and rate for loans being underwritten
• Provide guidance to credit analysts
• Manage loan closing process including term sheets and commitment letters
• Ensure adherence to bank loan policies and procedures
• Evaluate risk to meet profitability standards
• Participate in community activities such as Chamber, Kiwanis, Rotary
• Perform quarterly check-ins with an effective staff management plan

Skills

Client relationship management

Sales and negotiation

Financial statement analysis

Credit analysis

Verbal and written communication

Teamwork

Education

Bachelor's degree in business, economics, finance, or accounting

Tools

Vertical IQ

Business Browser

Microsoft Office

Job description

Overview

Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. The size and complexity of the companies would require analytical training and experience necessary to communicate with a business owner/CEO, CFO or Business Controller.

Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. The size and complexity of the companies would require analytical training and experience necessary to communicate with a business owner/CEO, CFO or Business Controller.

Duties include developing and managing commercial business relationships including making loans, obtaining deposit accounts, selling cash management services, and cross selling other bank services. Provide guidance to credit analyst and/or portfolio managers and promote the bank within the community.

What You’ll Do

• Manage and retain profitable client relationships
• Develop new business through active calling on clients and prospects
• Develop and maintain a strong COI’s network
• Use Vertical IQ, Business Browser, or other tools available to research and develop leads
• Manage individual production versus assigned goals
• Recommend structure, terms, and rate for loans being underwritten
• Provide guidance to credit analysts
• Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
• Ensure adherence to company loan policies and procedures
• Evaluate risk to meet profitability standards
• Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
• Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable

Requirements For Success

• Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
• Minimum three years’ banking experience in credit analysis or lending
• Capable of analyzing complex financial statements/completion of commercial analyst training program
• Possess effective sales and negotiation skills
• Possess excellent verbal and written communication skills
• Strong customer service skills
• Ability to work independently as well as part of a team
• Self-motivated/takes initiative
• Proficient in Microsoft programs
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Conditions of Employment

Must be able to pass a criminal background & credit check.

FLSA Status

Exempt

SUPERVISORY RESPONSIBILITY

This position could manage employees and is responsible for the coaching, development, and performance management of those employees.

WORK ENVIRONMENT

Location in United Footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 20% travel.

Other

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range

USD $0.00 - USD $0.00 /Yr.