Senior Commercial Relationship Manager

Everwisecu; South Bend (IN); On-site; USD 85,000 - 110,000; Full time

Job summary

A community-focused credit union in South Bend is seeking a Senior Commercial Relationship Manager to oversee a Commercial Loan Portfolio. The ideal candidate will have over 7 years of experience in business banking, focusing on middle market commercial relationships and demonstrating exceptional negotiation and financial analysis skills. This role offers a hybrid work model and includes mentoring junior staff while expanding the client base.

Qualifications

• 7+ years of experience in business banking or commercial lending.
• Must have experience maintaining a portfolio of banking clients.
• CPA or relevant certifications preferred.

Responsibilities

• Manage a Commercial Loan Portfolio focusing on growth.
• Lead financial analyses and loan closings.
• Engage in business development for new lending activities.

Skills

Middle market lending expertise

Negotiation skills

Financial analysis

Communication skills

Education

Bachelor’s degree in business or relevant field

High School Diploma or equivalent

Tools

Microsoft Office suite

Financial software

Job description

Senior Commercial Relationship Manager page is loaded## Senior Commercial Relationship Managerremote type: Hybridlocations: South Bend, Indiana 46601 - Corporatetime type: Full timeposted on: Posted 2 Days Agojob requisition id: R-100407**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 business, 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.Everwise Credit Union puts people’s needs first, so no matter your story or your money savvy, we meet you where you are and equip you with the confidence and tools you need to get ahead—wherever you’re going. Originally founded as Teachers Credit Union, helping people understand and manage their financial future has always been central to what we do, even as we’ve expanded our community beyond teachers. Today, we serve more than 300,000 members across nearly 60 locations in the heart of the Midwest. Through personalized resources, services, tools and unparalleled access to innovative technology, we help everyone—teenagers to retirees, business leaders to the under-served—feel more in control of their money and their future. With every interaction, we seek to fulfill our purpose of helping people grow into their dreams.