Commercial Relationship Manager

Centralbancompany; Kansas; On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive Salary

401(k) company match

Paid-Time Off (PTO)

Volunteer Days Off (VTO)

Paid Federal Holidays

Tuition Reimbursement

Job summary

Central Bank of the Midwest is seeking a seasoned Commercial Lending relationship banker to serve as the primary advisor for complex commercial client relationships across Johnson County branches. You will build rapport with internal and external stakeholders and drive key processes with excellent service, analysis, and decisive risk assessment.

This role emphasizes growth, partnership with colleagues, and a strong focus on asset quality and client success.

Qualifications

• Bachelor’s degree in finance, business, accounting or related field or equivalent experience.
• At least 10 years banking experience and/or demonstrated production in the commercial industry.
• At least 3 years of commercial underwriting / credit analysis experience or relevant lending experience
• Experience in various types of lending desirable including Agricultural, Construction, C&I, CRE, TRID, Charitable/Religious, Non-Profit, Tax-Exempt
• Working knowledge of credit enhancements including interest rate swaps, tax credits, SBA/FSA/USDA, and other guarantee programs
• Strong credit acumen and skills including accounting, financial statement, and cash flow analysis.
• Proven track record of success in developing new business and building a quality network resulting in a strong, growing portfolio with minimal exceptions and above average credit quality.
• Commitment to the organization’s core values.
• Strong time management and organizational skills

Responsibilities

• Identify, attract and win new commercial relationships to grow the Bank’s market share
• Serve as trusted advisor to the largest / most complex clients
• Achieve individual production goals for loans and deposits and core fee income
• Underwrite new and renewing C&I and CRE credit requests
• Analyze business, industry, financial data and other supporting credit information
• Prepare timely, concise and accurate credit recommendations
• Spreads and / or ensures required financial statements are spread consistent with guidelines
• Working knowledge with structuring credit products to diverse industries with varying complexity
• Participates in assessing risk and all credit processes to ensure sound asset quality
• Champion and lead business development efforts by developing a clear / holistic understanding of the client’s or prospect’s business and industry

Skills

Client relationship management

Credit underwriting

Financial statement analysis

Strategic business development

Communication & interpersonal

Education

Bachelor’s degree in finance, business, accounting or related field

Job description

What You’ll Do:

As a valued member of the broader Commercial Lending team, you will serve as the key banking advisor for commercial client relationships. You will build rapport with internal and external stakeholders and become a key player in an essential process of our bank. You will perform a wide variety of support functions for the Commercial Lending team. You will engage with internal and external customers while providing legendary service levels. Your strong combination of interpersonal, analytical, and decision-making skills makes you a valued resource and partner. This position will have the flexibility to be located at any of our Johnson County branches.

Key Accountabilities:

Sales and Referrals

• Identify, attract and win new commercial relationships to grow the Bank’s market share
• Serve as trusted advisor to the largest / most complex clients
• Achieve individual production goals for loans and deposits and core fee income

Business Line Partnership

• Collaborates with business line partners to quickly respond to customer requests
• Develops and maximizes established referral network
• Proactively prospects for new clients and identifies ways to expand existing relationships in collaboration with internal partners

Credit Administration

• Underwrite new and renewing C&I and CRE credit requests
• Experienced in interpreting and analyzing various types of financial statements to gauge financial growth
• Analyze business, industry, financial data and other supporting credit information
• Prepare timely, concise and accurate credit recommendations
• Spreads and / or ensures required financial statements are spread consistent with guidelines
• Working knowledge with structuring credit products to diverse industries with varying complexity
• Participates in assessing risk and all credit processes to ensure sound asset quality

Community Involvement

• Champion and lead business development efforts by developing a clear / holistic understanding of the client’s or prospect’s business and industry

Central Bank Offers This:

• Competitive Salary; determined by experience and skills
• Comprehensive Benefits package that includes; 401(k) company match, Paid-Time Off (PTO), Volunteer Days Off (VTO)
• Paid Federal Holidays
• Tuition Reimbursement

About Central Bank

At Central Bank of the Midwest, our roots run deep in the communities that define our footprint and the ones that shape our culture. Some are defined by geography, while others bring us together through shared experience, values, lifestyle or goals.

Our Associates are the Bank, and Everyone is welcome here. We believe in the diversity of culture, experience, thought and values to create better conversations – and thus – better decisions around the most important issues we face as an organization and community of professionals.

Central Bank of the Midwest is committed to building an inclusive culture that opens a world of opportunity for our team, customers, and every community within our reach. We embrace people and opportunities, engage with our time, talent and resources, and elevate relationships through added value. With a shared commitment to our core values, we RISE together! We RISE by lifting others. These words provide a benchmark for our motives, and compass to guide our words and actions. We pledge to create and sustain a culture of belonging, where we can learn, understand and support the differences that make us better – together.

You’ve Got This:

• Bachelor’s degree in finance, business, accounting or related field or equivalent experience
• At least 10 years banking experience and/or demonstrated production in the commercial industry.
• At least 3 years of commercial underwriting / credit analysis experience or relevant lending experience
• Experience in various types of lending desirable including Agricultural, Construction, C&I, CRE, TRID, Charitable/Religious, Non-Profit, Tax-Exempt
• Working knowledge of credit enhancements including interest rate swaps, tax credits, SBA/FSA/USDA, and other guarantee programs
• Strong credit acumen and skills including accounting, financial statement, and cash flow analysis.
• Proven track record of success in developing new business and building a quality network resulting in a strong, growing portfolio with minimal exceptions and above average credit quality.
• Commitment to the organization’s core values.
• Strong time management and organizational skills