Commercial Relationship Manager- C&I

ZipRecruiter; Spring (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading financial institution is seeking a Commercial Relationship Manager to enhance client relationships and drive commercial lending activities. The ideal candidate will possess strong interpersonal and analytical skills, along with a solid understanding of commercial banking products. This full-time position offers a competitive salary and comprehensive benefits package, including medical insurance and a 401(k) plan.

Benefits

Medical, Prescription Drugs, Dental, and Vision Insurance

401(k) with a Match

Paid Time Off

Tuition Reimbursement

Qualifications

• 3-5 years of direct lending or credit analysis experience focusing on commercial/business relationships.
• Extensive knowledge of commercial banking products and services.

Responsibilities

• Identify and develop profitable new client relationships.
• Negotiate loan structures and manage existing loan arrangements.
• Supervise support staff and engage in community activities.

Skills

Interpersonal Skills

Communication Skills

Problem-Solving

Mathematical Skills

Education

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

Job description

Job Description

Position Title: Commercial Relationship Manager - Commercial and Industrial (C&I)

Exempt Status: Exempt, Full Time

Reports to: CLO, Commercial Lending Manager, or Regional or Market President

Location: The Woodlands

Benefits:

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Summary of the Job: Provides commercial lending activities in compliance with Southside Bank’s policies and procedures. Generate new commercial customer relationships as well as maintain existing commercial customer base.

Essential Functions:

1. Work independently to identify and develop profitable new client relationships by leveraging centers of influence, existing client relationships, and referral sources.
2. Increase the Bank's profitability by cultivating new and deepening existing business relationships.
3. Work closely with internal partners to deliver comprehensive banking services to clients, prospects, and communities.
4. Acquire and deepen deposit relationships, and effectively cross-sell treasury products.
5. Negotiate proper loan structures, selling the Bank's credit and non-credit products.
6. Manage, plan, and complete periodic reviews of existing loan arrangements to verify suitability and risk tolerance.
7. Review and decide on client deposit and payment activity.
8. Accept special projects in support of the team and community involvement.
9. Maintain knowledge of banking, credit, non-credit products, real estate, treasury management, and other bank functions.
10. Maintain knowledge of accounting, financial principles, marketing, sales, credit analysis, and economics.
11. Represent the bank professionally in public, social, and civic gatherings.
12. Stay current on regulations, analysis, and trends in banking through continuing education.
13. Attend and participate in weekly and monthly meetings as required.

Additional Functions:

• Supervise support staff, including performance development and appraisals.
• Engage in community activities to identify and originate personal mortgages (if licensed and trained).
• Interview residential mortgage loan applicants and complete thorough loan applications.
• Comply with all safety policies and report unsafe activities.
• Participate in team efforts to achieve departmental and company goals.
• Provide leadership through example and knowledge sharing.
• Attend external meetings, such as board meetings.
• Perform other duties as assigned.

Required Education/Experience:

• Bachelor’s degree in finance, business, or related field.
• 3-5 years of direct lending or credit analysis experience focusing on commercial/business relationships.
• Extensive knowledge of commercial banking products and services.
• Training and knowledge of credit and underwriting processes.
• Sales experience and familiarity with loan processing and closing procedures.
• Postgraduate banking certification or training.

Necessary Skills:

• Ability to build and enhance customer relationships to expand loans and cross-sell bank products.
• Excellent interpersonal, communication, and relationship skills.
• Ability to analyze business publications, regulations, and technical procedures; effective written and verbal communication.
• Strong mathematical skills including interest, discounts, and percentages.
• Problem-solving ability, data collection, and interpretation skills.
• Proficiency with personal computers and software applications.
• Ability to manage multiple projects, prioritize, organize, and delegate.

Physical Activity/Dexterity:

• Sufficient manual dexterity to handle items and work with fingers.

Physical Environment Demands:

• Remain stationary for 90% of the time; occasional movement within the office.
• Operate computer and office machinery constantly.
• Communicate frequently with others.

Working Conditions/Environment:

• Indoor office setting with good lighting, heating/air conditioning, and ventilation.
• Moderate noise levels.

Work Schedule/Hours:

• Monday to Friday, 8:00 a.m. – 5:00 p.m.
• Overtime as needed.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discriminate against employees or applicants based on inquiries or disclosures about pay, except as legally permitted.