Relationship Manager III

Cass Information Systems; St. Louis (MO); On-site; USD 110,000 - 150,000; Full time

Job summary

Cass Commercial Bank in St. Louis seeks a Relationship Manager to build comprehensive financial relationships with clients and prospects, partnering with a Portfolio Manager to analyze credit risk and structure loans, deposits, and treasury services.

You will lead loan approvals processes, coordinate documentation, monitor credit quality, and expand the client base through strategic calling and cross‑selling, with a bachelor’s degree and 7+ years lending experience required.

Qualifications

• Bachelor's degree level knowledge in business/finance or related field.
• Minimum 7 years of commercial lending experience.
• Experience with underwriting and construction lending preferred.

Responsibilities

• The Relationship Manager is the primary point of contact for all clients where credit may be extended and solicits new accounts.
• Analyzes client financials, growth plans, market trends, leadership, and guarantors to recommend appropriate loan structures.
• Leads presentations to CCB leadership and Executive Loan Committee for loan approval.
• Coordinates loan documentation and onboarding processes using the bank's systems.
• Monitors loan quality and compliance with loan agreements; reviews credit relationships for risk and trends.
• Serves as liaison to cross‑selling treasury, deposits, and cash management services.

Skills

Interpersonal skills

Analytical skills

Communication skills

Loan documentation knowledge

Independent work

Travel ability

Education

Bachelor's degree in business administration, finance or related area

Job description

The RM is responsible for building comprehensive financial relationships with existing and prospective clients by combining a thorough knowledge of the client's operations, condition, leadership, growth plans and economic/market trends, to recommend appropriate financial services (loans, deposit accts./ treasury services). Working closely with a Portfolio Manager (PM), the RM is responsible for analysis of a client's or prospect's financial condition to determine the risk of credit extensions and for recommending credit structures to mitigate risks. The RM leads presentations to CCB leadership to obtain loan approval and to the Executive Loan Committee for review. The RM recommends deposit accts. and treasury services to support the client's cash management needs.

PRINCIPAL RESPONSIBILITIES AND DUTIES:

• The Relationship Manager is the primary point of contact for all clients where credit may be extended. As part of a team that includes a PM, TMSR and FSR, the RM solicits new client accounts and expands existing client relationships by building comprehensive financial relationships including:
• Working with clients and prospects to determine the general creditworthiness of the client/prospect (including understanding its needs, abilities, capacity, leadership, and growth plans) and the merits of the specific loan request.
• Maintaining a thorough knowledge of local market and economic trends to identify acceptable risks that fit within the bank's policy.
• Independently or together with the PM, analyzes all available financial information, growth/development plans, economic and market trends, leadership (including background checks), and guarantors to recommend an appropriate loan and overall capital structure, deposit accounts, and treasury services that meet the client's need and are within with bank policy. This includes assisting with or completing appropriate underwriting and analysis, specific to the SRRM's assigned industry role, and coordinating the loan approval process with the Credit Department using the bank's electronic credit system.
• Secures sufficient collateral and appropriate documentation in accordance with regulatory requirements and bank policy to appropriately collateralize and secure the bank's risk position.
• Manages credit exposure within the hold limits based on loan grade and participates over hold exposure to other financial institutions.
• Leads presentations to CCB leadership and Executive Loan Committee that include an outline of the financial analysis, capital structure, interest rates, loan grade, strengths and weaknesses and a recommendation.
• Coordinates the loan documentation process, via the bank's electronic credit system, by gathering/uploading all organization documents, relevant personal information, and additional information (title work, etc.) for use by loan services department. Prepares on-boarding forms (LDS) as needed.
• Together with the PM, reviews existing credit relationships to ensure compliance with terms of the Loan Agreement and to recognize and act on any developing trends. Reviews loan quality through statement/appropriate analysis, based on entity or project type, including a comparison of operating ratios to industry standards (where appropriate), cashflow, and collateral analysis. Recommend loan grade changes when appropriate. Where necessary, recommend loans for placement on the Loan Monitor List.
• Assesses risks associated with construction lending, including proper loan structure. Ensures adequate safeguards for the construction process to protect the bank against construction risks including adequacy of overall funding to complete the project, disbursing procedures that mitigate lien risks, and tracking of construction costs against budget. Maintains frequent communication with owner, contractor, and title representatives to facilitate project success.
• Creates detailed records and reports of activities by timely entering information into the bank's CRM system (Salesforce).
• Calls on existing clients periodically to maintain the quality of account relationship and assure needs are being met; introduces clients to other departments where a service can be rendered and tracks activity in the CRM system.
• Networks in various groups to source new relationship opportunities; maintains a consistent calling effort on prospective clients to be top of mind when an opportunity occurs. Tracks activity in the CRM system.
• Makes overdraft decisions on all assigned accounts and on non-borrowing clients.
• Performs additional responsibilities, as required, or assigned.

SKILLS AND ABILITIES REQUIRED:

• Strong, well-developed interpersonal skills to maximize contacts and develop a working relationship with potential and existing clients.
• A high level of analytical and collaborative skills to conduct analysis and monitor the client's financial condition, market trends, credit/interest rates, economic conditions, and other factors.
• Effective communication skills including excellent listening skills and the ability to communicate professionally with all levels of an organization both verbally and in writing.
• Advanced knowledge of loan documentation, including participations and other complex documentation structures; where appropriate, an advanced knowledge of underwriting and construction lending techniques for income producing real estate and working knowledge of construction loan administration.
• Ability to work independently with little to no level of guidance and oversight.
• Ability to travel as required.

MINIMUM LEVEL OF PREPARATION AND TRAINING NORMALLY REQUIRED:

• A technical level of knowledge normally acquired through completion of a bachelor's degree level program in business administration, finance or related area or equivalent experience.
• Minimum 7 years of commercial lending experience.

ABOUT CASS COMMERCIAL BANK:

Founded in 1906, Cass Commercial Bank is a wholly owned subsidiary of Cass Information Systems, Inc. (NASDAQ: CASS). Headquartered in St. Louis, the Bank is an FDIC-insured institution and a member of the Federal Reserve, providing commercial banking, lending, treasury management, and equipment financing solutions nationwide.
For more than a century, we've built our reputation on trusted relationships, financial strength, and personalized service, helping clients succeed through practical, tailored financial solutions.
At Cass Commercial Bank, people are at the center of everything we do. We're committed to creating a workplace where employees are supported, respected, and empowered to grow. Our culture is rooted in collaboration, service, integrity, and innovation. Named a 2026 St. Louis Top Workplace, Cass Commercial Bank offers associates the opportunity to do meaningful work, build lasting relationships, and contribute to an organization with a long history of stability and service. Our mission is simple: help clients succeed financially while creating a workplace where employees can thrive personally and professionally.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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