Commercial Relationship Manager II

First Interstate Bank; Bozeman (MT); On-site; USD 100,000 - 120,000; Full time

Job summary

First Interstate Bank is seeking a Senior Commercial Relationship Manager in Bozeman, Montana. The role involves managing a loan portfolio exceeding $100MM and establishing partnerships aligned with client objectives.

The ideal candidate will have over 10 years in commercial lending, demonstrating exceptional credit analysis, client management, and business development skills. Competitive compensation and benefits.

Qualifications

• 10+ years experience in commercial lending or commercial credit underwriting.
• Advanced credit analysis and commercial underwriting skills required.
• Exhibits strong knowledge of commercial lending policies and documentation.

Responsibilities

• Manages a loan portfolio greater than $100MM with at least 35 bank relationships.
• Develops new business through outside business development activities.
• Assumes accountability for portfolio activities ensuring sound asset quality.

Skills

Microsoft Word

Microsoft Excel

Microsoft Outlook

Credit analysis

Commercial underwriting

Communication skills

Presentation skills

Education

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

Tools

PowerPoint

Job description

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

Job Summary

The Senior Commercial Relationship Manager serves as the Relationship Manager for new and existing complex clients and is responsible for managing a loan portfolio that is greater than $100MM, includes at least 35 bank relationships, and generates at least $1.8MM in revenue to the bank. This position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. This position also develops and grows new business, builds and maintains strong relationships with prospects, and drives financial performance through profitable revenue, growth, and quality credit.

Essential Duties and Responsibilities

• Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
• Initiates and develops new business through outside business development activities.
• Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.
• Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.
• Uses internal customer sourcing software to generate leads, track activities, and make referrals to requisite business partners and bankers.
• Participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
• Builds client referral pipeline via identification and development of internal and external centers of influence.
• Develops and maintains an in-depth knowledge of products and services, as well as knowledge of competitors and competitive products.
• Promotes bank products and services and keeps clients informed of financial solutions that First Interstate Bank offers to meet their needs.
• Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally; knows when and how to bring in teams of experts and identify cross-sell opportunities.
• Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
• Assumes ultimate accountability for all portfolio activities and issues, ensuring sound asset quality through underwriting, structuring, and portfolio management activities; ensures accurate risk assessment of assigned portfolio.
• Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
• Researches and studies industrial, commercial, economic, and financial situations relevant to existing and new business.
• Maintains compliance with all bank regulations for assigned job function and designated job responsibilities; keeps up to date on regulation changes.
• Follows all Bank policies, procedures, and compliance regulations and completes all required annual training.
• May be asked to coach, mentor, or train others.
• Contributes to strategic level discussions with members of the senior management team.
• Acts as the Subject-Matter Expert (SME) when difficult questions arise.
• Provides practical, relevant ideas and perspectives on processes and process improvement.
• Engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

• Proficient in Microsoft Word, Excel, and Outlook; PowerPoint experience is beneficial.
• Demonstrates initiative and sound judgment.
• Able to prioritize work effectively and remain adaptable under pressure; knowledge may be gained through coursework and on‑the‑job training.
• Able to read, analyze, and interpret common financial reports and legal documents.
• Able to respond effectively to inquiries or complaints from customers, regulatory agencies, or members of the business community.
• Able to apply mathematical concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Able to define problems, collect data, establish facts, and draw valid conclusions.
• Demonstrates advanced credit analysis and commercial underwriting skills, including accounting, financial statement analysis, and cash flow analysis; completion of formal Credit Analyst training required.
• Possesses strong knowledge of commercial lending policies, procedures, practices, and documentation.
• Exhibits excellent written and verbal communication skills, including strong presentation abilities; able to work effectively with individuals and groups across the organization to manage customer relationships.
• Proficient in the bank’s risk‑rating system, credit products, and underwriting policies; possesses working knowledge of structuring credit products for small and medium‑sized businesses across diverse industries.
• Experienced in asset‑based lending, capital structure finance, and trade finance.

Education and Experience

Bachelor’s Degree in Business, Finance, or related field required. 10+ years experience in commercial lending, commercial credit underwriting, and/or equivalent combination of education and experience required.

Physical Demands and Working Environment

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. Dexterity of hands/fingers to operate computer keyboard and mouse; frequently sitting; frequently standing; occasional noise level moderate; typical work hours Monday to Friday 8‑5; regular and predictable attendance required; travel as needed.

Equal Opportunity Employment

First Interstate Bank is an equal opportunity employer committed to a diverse workforce and a barrier‑free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws. In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us Monday through Friday, 8am to 5pm MST at [e-mail]. All applicants must pass pre‑employment screenings including a background check. First Interstate Bank participates in E‑Verify which will require new employees to verify their identity and employment eligibility through the internet‑based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS). E‑Verify Notice English or Spanish Right to Work Notice English or Spanish.