Commercial Relationship Manager

Bank of the Bluegrass & Trust Co.; Lexington (KY); Hybrid; USD 70,000 - 110,000; Full time

Job summary

Bank of the Bluegrass & Trust Co. in Lexington, KY seeks a Commercial Relationship Manager to oversee and expand commercial client relationships and contribute to sales goals.

The role includes portfolio management, business development, credit analysis, cross-selling, and risk management while ensuring regulatory compliance and adherence to policies. You will engage with corporate clients, structure loan packages, and present to committees for approval.

Qualifications

• 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.

Responsibilities

• Portfolio Management: Nurture existing client accounts to maximize profitability, deepen relationships, and retain business.
• 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: Ensure compliance with BSA, OFAC, Privacy, Information Security and related regulations. Travel to client/offices as needed.

Skills

Portfolio Management

Business Development

Credit Analysis

Cross-Selling

Risk Management

Education

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

Graduate School of Banking Programs or similar

Bank credit training program preferred

Tools

Microsoft Office

Job description

Job Title: Commercial Relationship Manager Job Code: 512

FLSA Status : ___X Exempt ___ Non-Exempt

EEO Job Category: 1 Reports to: SVP of Commercial Lending

Job Grade: 21 Revision Date: 2026

Summary: The position of Commercial Relationship Manager’s primary responsibility is to be involved in both the comprehensive management of existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects to contribute to the bank’s success in reaching sales goals.

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.

Requirements

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