Commercial Relationship Manager III - Austin, TX

SouthState Bank; Austin (TX); On-site; USD 80,000 - 120,000; Full time

Job summary

A leading bank in Austin, TX, is seeking a Commercial Relationship Manager III to enhance financial solutions for clients. The role involves analyzing loan applications, negotiating terms, and developing new business opportunities, all while maintaining strong community ties. Candidates should have a Bachelor's degree and 3-5 years of experience in commercial lending.

Qualifications

• 3-5 years of commercial lending experience in a banking or loan environment.
• Ability to prepare documents and business correspondence.

Responsibilities

• Interview loan applicants and analyze financial data.
• Establish and negotiate loan terms.
• Monitor creditworthiness and loan status.

Skills

Proficiency in personal computers

Microsoft Office

Confidentiality

Self-motivated

Teamwork

Urgency

Education

Bachelor's Degree in Business, Finance, or related field

Job description

Commercial Relationship Manager III - Austin, TX

SouthState, a leading bank with over 100 years of experience, provides financial solutions to individuals, families, and businesses. Our team members aim to create remarkable experiences and build meaningful relationships, reflecting the communities we serve. We value a collaborative and community-focused environment.

Principal Accountabilities

1. Interview loan applicants and analyze financial data to assess creditworthiness and loan merits.
2. Establish and negotiate loan terms, including costs, repayment schedules, and collateral requirements.
3. Monitor current creditworthiness and loan status through various means, including inspections and financial reviews.
4. Present large loan requests to the executive loan committee.
5. Authorize or reject overdrafts within authority limits.
6. Oversee loan repayment activities and pursue collections on past-due accounts.
7. Advise customers on business management and financial matters where appropriate.
8. Serve as a contact for non-borrowing accounts and other bank services.
9. Develop new business through prospecting and cross-selling services.
10. Prepare reports on lending activities for management.
11. Stay informed on economic, financial, political, and legislative factors affecting lending activities.
12. Participate in community affairs to enhance the bank's visibility and business opportunities.
13. Maintain professional relations to support visibility and personal development.
14. Perform additional duties as assigned.

Other Skills and Qualifications

• Proficiency in personal computers, Microsoft Office, and relevant software.
• Ability to prepare documents and business correspondence.
• Maintain confidentiality of sensitive information.
• Self-motivated and capable of working independently.
• Strong sense of urgency, initiative, and teamwork skills.
• Ability to work efficiently in a fast-paced, multitasking environment.

Work Environment

Professional office setting; excellent human relations skills; team-oriented; committed to the bank's mission and goals.

Required Qualifications

• Bachelor's Degree in Business, Finance, or related field, or equivalent work experience.
• 3-5 years of commercial lending experience in a banking or loan environment.