Commercial Relationship Manager

Quaint Oak Bank; Pennsylvania; On-site; USD 120,000 - 135,000; Full time

Job summary

Quaint Oak Bank is seeking an experienced Commercial Relationship Manager to originate, structure, and manage C&I lending relationships within the Greater Philadelphia region. The CRM will drive new business development, manage a high-quality portfolio, and serve as the primary relationship owner for clients.

Typical loan sizes go up to $5MM, with a focus on operating deposits and long-term credit relationships.

Qualifications

• Experience in commercial lending and C&I underwriting.
• Ability to interpret financial statements and cash flows to support credit decisions.
• Excellent written and verbal communication skills, and the ability to build credibility internally and externally.
• Demonstrated relationship-building and business development capability.
• Proficiency with Microsoft Excel and Word.
• SBA lending experience preferred.

Responsibilities

• Originate $15-20MM in annual C&I loan production through networking, referrals, and targeted calling.
• Build and manage full-relationship commercial banking engagements, including loans, deposits, and treasury services.
• Serve as primary point of contact and relationship owner for assigned clients.
• Structure credit requests in partnership with credit analysts and ensure alignment with Bank policy.
• Analyze financial statements, cash flow, and industry trends to support underwriting and ongoing portfolio monitoring.
• Maintain portfolio credit quality, identify emerging risks, and support resolution strategies as needed.
• Ensure compliance with lending policies, regulatory requirements, and documentation standards.
• Collaborate effectively with credit, loan operations, and internal support teams.

Skills

Commercial lending

Credit judgment

Financial statement analysis

Communication skills

Relationship building

Excel/Word proficiency

Job description

Quaint Oak Bank is hiring an experienced Commercial Relationship Manager (C & I Lender).

Join a growing organization that offers excellent opportunities for career growth, a team atmosphere, and a competitive benefits package!

Location: Remote (Greater Philadelphia market presence required)

Position Summary:

Quaint Oak Bank is a growing community bank seeking an experienced Commercial Relationship Manager (CRM) to originate, structure, and manage C&I lending relationships within the Greater Philadelphia region. This role is responsible for driving new business development, maintaining portfolio quality, and serving as the primary relationship owner for assigned clients. The CRM will focus on building long-term, full-relationship engagements while working collaboratively with internal credit, loan operations, and support teams. Typical loan sizes range up to $5MM. The role emphasizes exclusive primary banking relationships, including operating deposits maintained as compensating balances that support long-term credit relationships.

Job Requirements & Responsibilities:

• Originate $15-20MM in annual C&I loan production through networking, referrals, and targeted calling
• Build and manage full-relationship commercial banking engagements, including loans, deposits, and treasury services
• Serve as primary point of contact and relationship owner for assigned clients
• Structure credit requests in partnership with credit analysts and ensure alignment with Bank policy
• Analyze financial statements, cash flow, and industry trends to support underwriting and ongoing portfolio monitoring
• Maintain portfolio credit quality, identify emerging risks, and support resolution strategies as needed
• Ensure compliance with lending policies, regulatory requirements, and documentation standards
• Collaborate effectively with credit, loan operations, and internal support teams’
• management.

Qualifications & Skills:

• Strong analytical and credit judgment skills with a solid understanding of commercial underwriting concepts.
• Ability to interpret financial statements and cash flow to support credit decisions.
• Excellent written and verbal communication skills, and the ability to build credibility internally and externally.
• Demonstrated relationship-building and business development capability.
• Proficiency with Microsoft Excel and Word.
• SBA lending experience preferred.

Compensation:

$120,000-$135,000/year base salary, plus commission. Offer is commensurate with experience.

Quaint Oak Bank and/or its subsidiaries is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, ancestry, citizenship status, age, sex, sexual orientation, gender identity, marital status, national origin, disability, or veteran status. Quaint Oak Bank and/or its subsidiaries are committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment. To request a reasonable accommodation, contact Rachel Schmahl at 610.798.6111 or [e-mail].