Senior Commercial Relationship Manager II (Banking domain)

CBTS; Indianapolis (IN); On-site; USD 130,000 - 210,000; Full time

Job summary

CBTS in Indianapolis, IN is seeking a Sr Commercial Relationship Manager II to oversee high-value client relationships and drive revenue across banking products. You will develop new business, expand existing relationships, and manage a portfolio of loans and deposits.

The role requires deep credit knowledge, strong negotiation skills, and the ability to collaborate across banking teams to meet client goals.

Qualifications

• Ten years of proven relationship/account management experience selling banking products.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience. Marketing oriented.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product knowledge.
• Credit training, credit quality and underwriting experience; including financial analysis.

Responsibilities

• Develops new and expands existing client relationships by initiating business development activities, proactively reviewing client’s current and changing financial needs, and cross selling products and services.
• Grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares and oversees the completion of the loan approval requirements including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration.
• Recommends and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents Bank in various community, civic and professional organizations.
• Refers loans to loan committee for approval.
• Responsible for understanding clients’ financial goals, provide credible advice and recommend products that fit their holistic needs. Intimately understand clients’ business priorities and refer them to other lines of business as appropriate.
• Collaborates with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams and Bank senior management.
• Participates in all bank marketing and sales promotions, contributes to initiatives and programs designed to promote organization’s strategic priorities, complies with all bank, loan and regulatory guidelines and policies.

Skills

Relationship management

Sales

Communication skills

Organizational skills

Analytical thinking

Credit underwriting

Negotiation

Credit analysis

Cross-functional collaboration

Job description

Role: Sr Commercial Relationship Manager II

Location: Indianapolis, IN - Onsite

Salary: $130K to $210K per annum

Essential Functions/Responsibilities

• Develops new and expands existing client relationships by initiating business development activities, proactively reviewing client’s current and changing financial needs, and cross selling products and services.
• Grows and maintains a profitable book of business (loans and deposits) to achieve individual and market goals.
• Develops a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data.
• Qualifies prospects by collecting and analyzing financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan requests.
• Prepares and oversees the completion of the loan approval requirements including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank. Obtains appropriate approval for credit under consideration.
• Recommends and negotiates the terms under which the credit will be extended to include pricing fees, costs repayment method and schedule, collateral requirements, etc.
• Responsible for portfolio management including monitoring credit quality which includes past due credits, non-performing and credit exceptions, covenant compliance and credit exceptions of their active portfolio.
• Actively participates and represents Bank in various community, civic and professional organizations.
• Refers loans to loan committee for approval.
• Responsible for understanding clients’ financial goals, provide credible advice and recommend products that fit their holistic needs. Intimately understand clients’ business priorities and refer them to other lines of business as appropriate.
• Collaborates with Bankers, Financial Center Managers, Retail Leaders, Credit/Underwriting, Loan Processing and Documentation teams and Bank senior management.
• Participates in all bank marketing and sales promotions, contributes to initiatives and programs designed to promote organization’s strategic priorities, complies with all bank, loan and regulatory guidelines and policies.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Ten (10) years of proven relationship/account management experience selling banking products in the appropriate segmentation required.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to generate new business through a consultative sales approach.
• Demonstrated sales and negotiating experience. Marketing oriented.
• Ability to work effectively with individuals and groups in managing customer relationships.
• Well versed in product knowledge.
• Credit training, credit quality and underwriting experience; including financial analysis.