Commercial Relationship Manager – Banking & Lending

United Community; Franklin (TN); On-site; USD 80,000 - 120,000; Full time

Job summary

United Community in Franklin, TN is seeking an experienced banking professional to manage and grow a portfolio of commercial clients. You will originate loans, cross-sell services, and coordinate with credit analysts.

You will develop profitable relationships, meet production goals, and participate in community events. Strong financial statement analysis, negotiation, and communication skills are essential.

Qualifications

• Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
• Minimum three years’ banking experience in credit analysis or lending
• Capable of analyzing complex financial statements/completion of commercial analyst training program
• Possess effective sales and negotiation skills
• Possess excellent verbal and written communication skills
• Strong customer service skills
• Ability to work independently as well as part of a team
• Self-motivated/takes initiative
• Proficient in Microsoft programs
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Responsibilities

• Manage and retain profitable client relationships
• Develop new business through active calling on clients and prospects
• Develop and maintain a strong COI’s network
• Use Vertical IQ, Business Browser, or other tools to research and develop leads
• Manage individual production versus assigned goals
• Recommend structure, terms, and rate for loans being underwritten
• Provide guidance to credit analysts
• Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
• Ensure adherence to company loan policies and procedures
• Evaluate risk to meet profitability standards
• Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
• Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable

Skills

Client relationship management

Relationship management

Sales skills

Negotiation

Communication

Microsoft Office

Education

Bachelor’s degree in business/finance/economics

Tools

Credit underwriting software

Microsoft Excel

Job description

United Community in Franklin, TN is seeking an experienced banking professional to manage and grow a portfolio of commercial clients. You will originate loans, cross-sell services, and coordinate with credit analysts.

You will develop profitable relationships, meet production goals, and participate in community events. Strong financial statement analysis, negotiation, and communication skills are essential.