Senior Commercial Relationship Manager

United Community Bank; Cleveland (TN); On-site; USD 90,000 - 130,000; Full time

Job summary

United Community Bank in Cleveland, TN seeks a seasoned commercial banker to manage and expand profitable client relationships. You will lead loan structuring, credit guidance, and cross-sell services while maintaining strong community ties.

The role requires evaluating financials and negotiating terms with business owners and CFOs. Ideal candidates have at least three years in banking, solid communication skills, and a proactive, independent work style within a team-oriented environment.

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/completion of commercial analyst training program.
• 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 Office.

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 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 including term sheets and commitment letters; coordinate with attorneys and appraisers.
• Ensure adherence to company loan policies and procedures.
• Evaluate risk to meet profitability standards.
• Actively participate in community activities (Chamber, Kiwanis, Rotary, etc.).
• Perform quarterly check-ins with actionable staff goals when applicable.

Skills

Credit analysis

Sales skills

Negotiation

Verbal communication

Written communication

Customer service

Independent work

Team collaboration

Education

Bachelor’s degree in business/economics/finance/accounting

Tools

Microsoft Office

Job description

United Community Bank in Cleveland, TN seeks a seasoned commercial banker to manage and expand profitable client relationships. You will lead loan structuring, credit guidance, and cross-sell services while maintaining strong community ties.

The role requires evaluating financials and negotiating terms with business owners and CFOs. Ideal candidates have at least three years in banking, solid communication skills, and a proactive, independent work style within a team-oriented environment.