Commercial Relationship Manager

Citadel Federal Credit Union; United States; Hybrid; USD 110,000 - 140,000; Full time

Job summary

Citadel Federal Credit Union is seeking a seasoned Commercial Relationship Manager to drive loan growth and deepen client relationships within its Business Banking team. You will acquire new members, analyze financial data, and recommend deposit and loan solutions, while collaborating with internal teams and external partners.

The role emphasizes credit expertise, cross-selling, and community engagement, with a hybrid work arrangement that requires in-office presence at Citadel HQ several days

Qualifications

• Bachelor's degree or equivalent experience.
• 5–10 years in commercial lending and deposits.
• Formal commercial lending credentials (CFI/RMA/Moody).
• Excellent communication and presentation skills.
• Knowledge of banking regulations and financial statements.

Responsibilities

• Develop COIs network to acquire new business with $5–$25M revenue.
• Act as trusted advisor and analyze financials to recommend Citadel products.
• Evaluate loan applications and manage credit risk.
• Cross-sell to deepen relationships and grow revenue.
• Engage with the local business community and partners.

Skills

Client acquisition

Relationship building

Credit analysis

Cross-selling

Deposits growth

Education

Undergraduate degree in business or related field

Commercial lending credentials (CFI/RMA/Moody)

Tools

MS Windows

Microsoft Office

Client Experience Desktop

Job description

Description

Job Overview:

Are you a passionate and results-oriented commercial banking professional seeking a dynamic environment to leverage your expertise?

We're seeking a seasoned Commercial Relationship Manager (CRM) to join our growing Business Banking team. In this pivotal role, you'll play a key role in driving commercial loan growth while building strong client relationships and fostering new deposit opportunities.

What You'll Do:

• Client Acquisition & Growth: Develop a network of Centers of Influence (COIs) and leverage existing relationships to identify and acquire new business members with revenue between $5-$25 million. Focus on securing loan opportunities with strong deposit potential.
• Trusted Advisor: Become a financial expert for your members, understanding their needs through in-depth financial analysis and proactively recommending solutions across Citadel's product suite (loans, deposits, etc.).
• Commercial Credit Expertise: Utilize your strong credit analysis skills to evaluate loan applications, structure deals, and manage credit risk, ensuring all member relationships meet strict compliance standards.
• Cross-Selling & Revenue Growth: Identify and leverage cross-selling opportunities to deepen client relationships and drive profitable business growth by exceeding loan, deposit, and fee income goals.
• Community Engagement: Be a visible and active in the local business community, fostering relationships and identifying potential business members.
• Partnership Focus: Collaborate effectively with internal teams (credit, deposit solutions) and external partners (COIs) to deliver a comprehensive 360-degree client experience.

Who You Are:

• Proven track record of originating and closing commercial loans within a competitive environment.
• Minimum of 7-10 years of experience in commercial banking, with a strong understanding of credit analysis and risk management.
• Excellent communication and presentation skills, with the ability to build strong relationships with business owners and decision-makers.
• Deep understanding of commercial banking products and cash management, including deposit solutions.
• Proven ability to develop and leverage strategic partnerships.
• Active and engaged member of the local business community.

Why Citadel?

At Citadel, you'll join a team passionate about helping local businesses thrive. We offer a competitive compensation and benefits package, along with opportunities for professional development and career advancement.

Responsibilities

• Become a product expert : Know Citadel's offerings inside and out, including competitor products.
• Build relationships: Network with influencers to bring in new business.
• Be active in the community : Represent Citadel and find opportunities locally.
• Understand client needs : Analyze financial data to identify member goals.
• Deliver exceptional service: Regularly review client relationships and provide solutions.
• Grow client business : Recommend products and close deals to reach revenue targets.
• Mentor colleagues: Train and develop less experienced branch staff and relationship managers.
• Close deals: Actively listen, present solutions, and secure member agreements.

This is a hybrid position. It is expected that a Commercial Relationship Manager will come to work at Citadel HQ – a minimum of 4 of the 5 days a during a work week. The one day flexed is at the Commercial Relationship Manager's discretion. If a Commercial Relationship Manager needs the flexibility to adjust their schedule for early or late Member appointments/business networking attendance those appointments should be preset and on the Commercial Relationship Manager's calendar.

Qualifications and Education Requirements

• Undergraduate degree in business/related field or equivalent work experience.
• 5 to 10 years commercial lending and deposit experience.
• Formal commercial lending credentials such as (CFI, RMA, or Moody).
• 10 plus years demonstrated sales and business development experience with proven results.
• Excellent verbal and written communication skills and Excellent presentation skills.
• In depth knowledge of financial products and banking regulations.
• Demonstrated experience with and expertise in analyzing and comprehending personal and commercial financial statements.
• Extensive experience and in-depth knowledge of commercial deposits, lending, and small business operations.
• Proficient in personal computer applications - PC (MS Windows and Office Products), Client Experience Desktop.

Performance Measurements

Performance is based on the Citadel corporate scorecard as well as departmental and individual goals.

This position will be in an office environment with most work done on a computer. Some events may take place outdoors. Reasonable accommodations will be provided.

Physical Demands

The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee will regularly lift and/or move up to ten pounds. The employee will regularly sit; talk; hear; use hands to finger, handle, or feel; and reach with hands and arms. The employee will occasionally stand. Special vision requirements include close vision and the ability to adjust focus. The noise level in the work environment is usually moderate.

Travel to local and, on occasion out-of-town, meetings and events is required.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.