Commercial Relationship Manager

Socket.dev; Tampa (FL); On-site; USD 70,000 - 110,000; Full time

Job summary

BayFirst National Bank in St. Petersburg, FL, seeks a Commercial Relationship Manager to grow and manage a portfolio of commercial clients. You will deliver loan products and treasury services, work with strategic partners, and drive profitability.

Responsibilities include sourcing new relationships, evaluating credit needs, and guiding clients through the loan process while achieving sales goals. A strong network and credit knowledge are essential.

Qualifications

• Bachelor’s degree required in finance, business administration, or related field.
• 3–5 years of commercial portfolio management experience.
• Experience in commercial lending preferred.
• Strong credit analysis/underwriting knowledge.
• Excellent communication, negotiation, and problem-solving skills.
• Ability to thrive in a fast-paced environment.

Responsibilities

• Manages commercial customer relationships by identifying financial needs and delivering solutions.
• Develops new and existing deposit and credit relationships through networking and referrals.
• Collaborates with Branch Managers, Treasury Services, and Market Executives to build full-service relationships.
• Meets or exceeds goals in loans, deposits, fee income, and referrals.
• Manages processes from initial contact through close, including credit analysis and documentation.
• Drives community presence through networking events and partnerships.
• Maintains knowledge of BayFirst’s products to tailor solutions.
• Monitors loan quality, deposit growth, and profitability to minimize risk.
• Serves as the commercial banking expert for the regional market.

Skills

Verbal and written communication

Negotiation skills

Problem-solving

Organizational skills

Multitasking and prioritization

Independent working

Proven sales goal achievement

Education

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

Job description

BayFirst National Bank is a full-service community bank dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve.

Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

Responsibilities include but are not limited to:

The Commercial Relationship Manager is responsible for developing and maintaining commercial client relationships while advancing portfolio growth and profitability. They provide a variety of commercial loan products and services based on the complexity of customers' needs. The Commercial Relationship Manager work closely with multiple BayFirst strategic partners to execute comprehensive commercial banking relationships, including deposit and treasury services.

Essential Duties and Responsibilities:

• Manages commercial customer relationships by identifying financial needs, delivering solutions to meet those needs, and providing excellent customer service.
• Develops new and existing deposit and credit customer relationships through networking, cross-selling opportunities, and referrals to and from business and personal product partners across BayFirst.
• Collaborates with Branch Managers, Treasury Services, and Market Executives to cultivate full-service banking relationships with customers.
• Achieves and exceeds established goals in loans, deposits, fee income, and referrals by leveraging strong customer relationships and proactive business development strategies.
• Manages transaction processes from initial contact through close, including client needs assessment, proposal development, credit analysis, underwriting, and documentation.
• Drives community presence through networking events, promotional activities, and strategic partnerships.
• Maintains extensive knowledge of BayFirst’s financial products and services to provide tailored solutions that meet diverse client needs and drive long-term relationship growth.
• Manages portfolio performance by requesting and reviewing annual financial statements and covenant ticklers; performing site visits; and monitoring loan quality, deposit growth, and fee income to ensure profitability and minimize risk.
• Serves as the commercial banking expert for the regional market.

Qualifications:

• Bachelor’s degree in finance, business administration, or a related field.
• 3-5 years’ experience in commercial portfolio management.
• Experience in commercial lending preferred.
• Strong knowledge of credit analysis/underwriting processes and procedures.
• Excellent verbal and written communication skills with strong negotiation skills.
• Demonstrates strong problem-solving and organizational skills.
• Promotes a positive work environment.
• Able to work in a fast-paced environment where changes to procedures are common.
• Ability to communicate in a respectful and assertive manner.Ability to multitask and prioritize responsibilities.
• Able to work independently with minimal supervision.
• Demonstrated ability to meet and exceed sales goals.
• Proven decision-making ability.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.