Commercial Relationship Manager

Commerce Lexington Inc.; Lexington (KY); On-site; USD 90,000 - 130,000; Full time

Job summary

Commerce Lexington Inc. in Lexington, KY, seeks a seasoned Commercial Relationship Manager to oversee and expand existing business banking relationships while pursuing new corporate clients.

You will coordinate credit, cash management, and lending solutions to help clients achieve growth and profitability. You will work with a team to ensure regulatory compliance and risk controls, mentor junior staff, and participate in loan negotiations and credit presentations to committees.

Qualifications

• 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.

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.

Skills

Portfolio management

Business development

Credit analysis

Underwriting

Cross-selling

Risk management

Job description

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.