Commercial Relationship Manager

Virginia Bankers Association; Lexington (KY); On-site; USD 70,000 - 120,000; Full time

Job summary

Virginia Bankers Association is seeking a candidate in Lexington, KY to manage client portfolios and develop corporate lending solutions. The role requires underwriting, financial analysis, and strong regulatory compliance.

The successful candidate will nurture client relationships, present complex loan packages to credit committees, and drive business development while maintaining alignment with bank policies and controls.

Qualifications

• Bachelor’s degree in business, finance, accounting or economics.
• 2–5 years of commercial banking, corporate lending, or credit analysis experience.
• Completion of a formal bank credit training program is highly preferred.
• Strong financial acumen and ability to interpret market trends.
• Graduate School of Banking Programs or similar programs preferred.
• Experience with Microsoft Applications and banking software.

Responsibilities

• Nurture existing client accounts to maximize profitability and deepen relationships.
• Prospect for new corporate clients through cold calling and networking.
• Analyze corporate financial statements and structure loan packages.
• Present deals to credit committees for approval.
• Advise clients on tailored financial solutions and cash management.
• Ensure compliance with banking regulations and policies.

Skills

Financial analysis

Credit underwriting

Relationship management

Negotiation skills

Regulatory compliance

MS Office

Education

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

NMLS registration

Tools

MS Office

Banking software

Job description

Essential Functions

• Portfolio Management: Nurture existing client accounts to maximize profitability, deepen relationships, and retain business. Experience in loan grading systems with ability to effectively monitor loan relationships of various risk ratings.
• Business Development: Prospect for new corporate clients through cold calling, networking, and external business development functions.
• Credit Analysis & Underwriting: Analyze corporate financial statements, structure complex loan packages, and present deals to credit committees for approval.
• Cross-Selling: Advise business owners on tailored financial solutions, including cash management and corporate lending.
• Risk Management: Ensure all accounts comply with banking regulations, Know Your Customer requirements, and internal credit policies.
• Additional Responsibilities: Ensuring compliance in BSA, OFCA, Privacy, Information Security, and all other regulations as applicable to the position. Failure to ensure compliance can result in Civil and Criminal Penalties, as well as corrective actions up to and including termination. Staying knowledgeable about the bank’s products and services and looking for opportunities to make recommendations to customers based on need. Fostering the spirit of teamwork in supporting the bank’s goals and mission statement. Responsible for opening and closing of office along with officer Saturday rotation Additional duties as assigned.

Required Education, Experience, And Skills

Bachelor’s degree in business, finance, accounting, or economics.

• Requires 2-5 years of commercial banking, corporate lending, or credit analysis experience.
• Completion of a formal bank credit training program is highly preferred.
• Strong financial acumen, negotiation tactics, and the ability to interpret market trends.
• Graduate School of Banking Programs or similar two-to-three-year banking programs preferred.
• Experienced in the use of Microsoft Applications and other computer applications.
• Strong knowledge of full range of commercial products, credit policies, procedures, and terminology. Strong time management skills, with ability to appropriately prioritize calling activities and strategies. Goal oriented with well-developed sales skills. Strong strategic, analytical, and problem-solving skills. Experienced at structuring credit requests. Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities. Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills. Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and core values.
• Current satisfactory registration of the NMLS registry.

Working Environment

Professional Office Environment, travel to client offices, attorney offices and/or properties. Flexibility to meet customers at all times of the day and week for appointments.

EOE/M/F/Vet/Dis

• About Us
• Career Development
• Contact Us
• Partners
• Facebook This will open in a new window
• Twitter This will open in a new window
• LinkedIn This will open in a new window
• Instagram This will open in a new window