Growth-Focused Small Business Relationship Manager

Texas Capital; Austin (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health Insurance

Wellness Program

Fertility and family building aids

Life and disability insurance

401K match

Paid time off (PTO)

Paid holidays

Paid leave

Job summary

Texas Capital seeks a senior Relationship Manager to grow a commercial client portfolio in the Austin area. You’ll manage loans and deposits, cross-sell financial solutions, and maintain deep client relationships across industries.

You’ll excel at translating financial data into clear proposals, working with credit and treasury teams, and meeting annual revenue targets. Travel 75%+ to client sites is required; bilingual English/Spanish is preferred.

Qualifications

• 5+ years in commercial or small business banking (relationship management, credit analysis, or lending)
• Minimum 2 years in a client-facing relationship management role
• Demonstrated experience managing a loan or deposit portfolio
• Track record of meeting or exceeding revenue, cross-selling, or retention targets

Responsibilities

• Schedules and conducts in-person or virtual meetings with clients at least quarterly
• Remembers key details about client business, family, and interests; personalizes interactions accordingly
• Resolves disputes or concerns by listening first and finding win-win solutions
• Builds internal advocates by being responsive to credit and operations teams
• Can quickly extract key financial ratios and interpret trends from balance sheets and P&Ls
• Understands cash flow-the core driver of small business viability and identifies seasonal or structural issues
• Asks probing questions to understand business models, competitive position, and growth constraints
• Documents opportunities in CRM and follows up within timely and accurately
• Prepares clear, concise product proposals tailored to individual client situations
• Achieves annual targets for loan originations, deposit account growth, and revenue per relationship
• When facing a client objection or market challenge, initiates discussion with product, credit, or treasury teams
• Proposes creative structures (e.g., layered credit, partial guarantees, adjusted pricing) while staying within credit policy
• Documents decisions and rationale for future reference and training
• Credit files are organized, complete, and audit-ready; no missing documents or outdated financial information
• All client communications are logged in the CRM and summarized in writing for the file
• Complies with fair lending, BSA, and regulatory documentation requirements without reminders
• Client emails are clear, professional, and prompt; written proposals are tailored and jargon-free
• Presents credit recommendations to the committee with confidence, transparency, and supporting data
• Proactively updates clients on market conditions, new products, or regulatory changes that may affect them
• Adjusts approach when a client prefers phone over email, or vice versa
• Responds to market downturns or new competitors by revisiting client strategy and adjusting service or pricing
• Stays current on regulatory changes and updates internal processes accordingly

Skills

Relationship Building

Financial Acumen

Sales & Business Development

Problem-Solving

Attention to Detail

Communication

Time Management

Adaptability

Bilingual English/Spanish

Education

Bachelor’s degree in Business/Finance

MBA preferred

Job description

Texas Capital seeks a senior Relationship Manager to grow a commercial client portfolio in the Austin area. You’ll manage loans and deposits, cross-sell financial solutions, and maintain deep client relationships across industries.

You’ll excel at translating financial data into clear proposals, working with credit and treasury teams, and meeting annual revenue targets. Travel 75%+ to client sites is required; bilingual English/Spanish is preferred.