Senior Commercial Relationship Manager

EVERWISE CREDIT UNION; South Bend (IN); On-site; USD 80,000 - 110,000; Full time

Job summary

Everwise Credit Union is looking for a Senior Commercial Relationship Manager in South Bend, Indiana. The role involves developing and managing a Commercial Loan Portfolio, engaging in middle market business development, and ensuring loan compliance. Candidates should have over 7 years in commercial lending, a Bachelor's degree in a relevant field, and strong financial analysis skills. The position promises involvement in community service, promoting Everwise's services, and ensuring exceptional support to business members.

Qualifications

• 7+ years of experience in business banking or commercial lending.
• Outstanding skills in financial software and Microsoft Office suite.
• Bachelor's degree in business, Accounting, Finance, or related field.

Responsibilities

• Manage a Commercial Loan Portfolio for middle market businesses.
• Lead joint calls with stakeholders to assess financial needs.
• Conduct comprehensive financial analysis of commercial applicants.
• Participate in community service to enhance company visibility.

Skills

Corporate and Commercial middle market loan experience

Negotiation skills

Exceptional service

Interpersonal skills

Integrity in lending practices

Knowledge of business and contract laws

Knowledge of deposit services

Understanding of commercial credit

Structuring treasury management solutions

Team collaboration

Education

High School Diploma or GED

Bachelor's degree in business or related field

CPA or relevant certifications

Tools

Financial software

Microsoft Office Suite

Job description

Job Description:

Position Summary

The Senior Commercial Relationship Manager will develop and oversee a Commercial Loan Portfolio, focusing on the growth and development of commercial and industrial relationships with middle market businesses, typically comprising businesses with annual revenues exceeding $20 million. The Senior Commercial Relationship Manager is accountable for leading internal and external partners in obtaining credit approval, facilitating connections to other lines of business, and fostering relationships with new prospects, centers of influence, and existing clients. Responsibilities include proactive portfolio management, ensuring loan compliance, mitigating risk, and maintaining profitability by acquiring and analyzing necessary financial data, including ongoing relationship reviews with direct management.

This role will be responsible for covering the South Bend and Northwest markets.

Primary Responsibilities and Duties

• Actively engage in middle market business development efforts to attract new, profitable, and multi‑product lending activities supporting specialty and large relationships.
• Lead the screening and interviewing of commercial applicants to assess their financial needs, including treasury management and debt products on the business.
• Gather required information to compile a comprehensive loan package to submit for decisioning.
• Lead joint calls with MicroLenders, Business Bankers, Relationship Managers, Treasury Management, and other internal stakeholders and departments.
• Complete comprehensive financial analysis of commercial applicants.
• Lead all loan closing by adhering to proper documentation procedures, obtaining required signatures, and disbursing funds per approval.
• Manage loan portfolio, deposit accounts, collections, and documentation.
• Active participation in professional community relationships to enhance Everwise's visibility and secure new business opportunities.
• Participate in community service and promotional events, to foster personal development and enhance Everwise's positive reputation in the community.
• Introduce additional financial services to enhance member relationships such as Cash Management, Mortgage, and Retail Services.
• Mentor Commercial Relationship Managers and Business Bankers, including reviews within their portfolios.
• Assume additional responsibilities for the growth, advancement of Everwise.

Knowledge/Skills

• Extensive Corporate and Commercial middle market loan experience across diverse industries, and commercial real estate asset classes.
• Superior in negotiation, with excellent verbal and written communication skills.
• Deliver exceptional service to our business members, regardless of circumstances.
• Utilize interpersonal skills in interviewing, negotiating, selling, and managing difficult conversations with members.
• Uphold impeccable integrity by safeguarding the best interest of Everwise and its members through prudent lending practices and risk mitigation.
• Robust knowledge of business and contract laws.
• Comprehensive knowledge of deposit services, structuring commercial loans, implementing treasury management solutions, and promoting Everwise products, services, including derivative products.
• Strong understanding of commercial credit, loan services, and credit risk policies and procedures.
• Highly skilled in structuring treasury management solutions for a diverse clientele, including large and small corporate and commercial entities, both prospective and existing clients.
• Ability to work autonomously and collaboratively in a team environment.
• Understand and adhere to government laws, regulations, and Everwise's policies and procedures concerning Anti‑Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC.

Minimum Requirements

• High School Diploma, GED or equivalent certification.
• Bachelor's degree in business, Accounting, Finance, related field, or equivalent relevant work experience.
• 7+ years' experience in business banking, corporate, or commercial lending, maintaining a portfolio of banking clients within the financial services industry.
• Outstanding skills in financial software and Microsoft Office suite.
• CPA, relevant certifications, or advanced degree, preferred.
• SBA experience, preferred.

Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.