Commercial Relationship Manager

United Community Banks Inc.; Huntsville (AL); On-site; USD 85,000 - 120,000; Full time

Job summary

United Community Banks Inc. in Huntsville, AL is seeking a Commercial Banking Relationship Manager to grow and manage a diverse portfolio of business clients.

You will lead client engagements, assess credit needs, structure loans, and cross-sell services, while collaborating with credit analysts and portfolio managers to maximize profitability and service quality. This full‑time role requires sales discipline, strong communication, and the ability to work independently with executive customers

Qualifications

• Bachelor’s degree in business, economics, finance, or accounting preferred.
• Minimum three years banking experience in credit analysis or lending.
• Capable of analyzing complex financial statements.
• Proven sales and negotiation skills.
• Proficient in Microsoft programs.

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 leads with Vertical IQ or Business Browser.
• Manage production vs goals.
• Recommend loan structure, terms, and rate for loans underwritten.
• Provide guidance to credit analysts.
• Oversee loan closing process and communications with attorneys and appraisers.
• Ensure adherence to loan policies.
• Evaluate risk to meet profitability standards.
• Participate in community activities.
• Perform quarterly check-ins with staff goals.

Skills

Client relationship management

Credit analysis

Sales and negotiation

Financial statement analysis

Microsoft Office

Networking

Education

Bachelor's degree in business or related field

Tools

Vertical IQ

Business Browser

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.

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.