Senior Commercial Banking Relationship Manager

United Community Banks Inc.; Franklin (TN); On-site; USD 90,000 - 120,000; Full time

Job summary

United Community Banks Inc. in Franklin, TN seeks a seasoned relationship manager to grow and manage commercial client portfolios with annual sales over $5 million. You will develop profitable relationships, structure loan terms, and guide credit analysts while maintaining strong community ties.

The role requires 3+ years banking experience in credit analysis or lending, strong communication, and a proactive sales approach, with readiness to travel up to 20% and work with cross-functional teams.

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 and completing commercial analyst training
• 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 available 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

Relationship management

Business development

Credit analysis

Sales negotiations

Financial statements analysis

Verbal and written communication

Independence and initiative

Microsoft Office

Education

Bachelor’s degree in business, economics, finance, or accounting

Tools

Microsoft Office

Job description

United Community Banks Inc. in Franklin, TN seeks a seasoned relationship manager to grow and manage commercial client portfolios with annual sales over $5 million. You will develop profitable relationships, structure loan terms, and guide credit analysts while maintaining strong community ties.

The role requires 3+ years banking experience in credit analysis or lending, strong communication, and a proactive sales approach, with readiness to travel up to 20% and work with cross-functional teams.