Small Business Relationship Manager - Bilingual Spanish

Texas-Capital-Bank; Dallas (TX); On-site; USD 120,000 - 170,000; Full time

Job summary

Texas Capital Bank is seeking a seasoned banking professional to manage commercial and small business client relationships in the Dallas area. You will evaluate credit needs, structure solutions, and drive revenue through cross-selling while maintaining credit discipline.

The role requires strong relationship-building, a proactive sales mindset, and fluency in English (Spanish preferred). Travel and client-facing leadership will be routine in this high-impact position.

Qualifications

• Minimum 5 years in commercial or small business banking (relationship management, credit analysis, or lending).
• Minimum 2 years in a client-facing relationship management role.
• Track record of meeting or exceeding revenue, cross-selling, or retention targets.

Responsibilities

• Schedules and conducts in-person or virtual meetings with clients at least quarterly.
• Remembers key details about client business and personal interests; personalizes interactions accordingly.
• Resolves disputes or concerns by listening first and finding win-win solutions.
• Builds internal advocates by being responsive to credit and operations teams.
• Extracts key financial ratios and interprets trends from balance sheets and P&Ls.
• Documents opportunities in CRM and follows up within timely and accurate manner.
• Prepares concise product proposals tailored to individual client situations.
• Achieves annual targets for loan originations, deposit growth, and revenue per relationship.

Skills

Effective Communication

Interpersonal Skills

Problem Solving

Prospecting

Relationship Building

Negotiating

Education

Bachelor's degree in Business, Finance, Economics

MBA / CFA / ABA certification (preferred)

Job description

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.Work experience:Minimum 5 years in commercial or small business banking (relationship management, credit analysis, or lending)Minimum 2 years in a client-facing relationship management roleDemonstrated experience managing a loan or deposit portfolioTrack record of meeting or exceeding revenue, cross-selling, or retention targetsCommunity banking or credit union experience preferredEducation:Bachelor's degree in Business, Finance, Accounting, Economics, or related fieldPreferred: MBA, CFA, or professional banking certification (e.g., ABA certification)Competencies:Reading and speaking in both English and Spanish fluentlyRelationship Building Establishes trust and credibility with clients through consistent communication, transparency, and follow-through on commitments; identifies key stakeholders and decision-makers within client organizations.Financial Acumen Demonstrates strong analytical skills; quickly understands business financials, operational metrics, and industry trends to assess client viability and recommend appropriate solutions.Sales & Business Development Proactively identifies and pursues cross-selling opportunities; communicates product benefits clearly; achieves revenue targets through a consultative, client-first approach.Problem-Solving Addresses client concerns and competitive pressures creatively; collaborates with internal teams (credit, operations, treasury) to structure solutions that meet client needs while managing risk.Attention to Detail Maintains accurate client records, loan documentation, and compliance files; ensures all regulatory and internal credit standards are met without exception.Communication Communicates clearly and concisely in writing and verbally with clients, peers, and internal stakeholders; presents financial and credit information in an accessible, compelling way.Time Management Prioritizes effectively across competing demands; manages a large portfolio while pursuing new business development; balances client service with administrative responsibilities.Adaptability Responds quickly to changing market conditions, client needs, and regulatory requirements; remains flexible in approach while maintaining core principles and credit discipline.Languages:EnglishSpanishSkills:Effective CommunicationInterpersonal SkillsProblem SolvingProspectingRelationship BuildingNegotiatingResponsibilities:Schedules and conducts in-person or virtual meetings with clients at least quarterlyRemembers key details about client business, family, and interests; personalizes interactions accordinglyResolves disputes or concerns by listening first and finding win-win solutionsBuilds internal advocates by being responsive to credit and operations teamsCan quickly extract key financial ratios and interpret trends from balance sheets and P&LsUnderstands cash flow—the core driver of small business viability—and identifies seasonal or structural issuesAsks probing questions to understand business models, competitive position, and growth constraintsDocuments opportunities in CRM and follows up within timely and accuratelyPrepares clear, concise product proposals tailored to individual client situationsAchieves annual targets for loan originations, deposit account growth, and revenue per relationshipWhen facing a client objection or market challenge, initiates discussion with product, credit, or treasury teamsProposes creative structures (e.g., layered credit, partial guarantees, adjusted pricing) while staying within credit policyDocuments decisions and rationale for future reference and trainingCredit files are organized, complete, and audit-ready; no missing documents or outdated financial informationAll client communications are logged in the CRM and summarized in writing for the fileComplies with fair lending, BSA, and regulatory documentation requirements without remindersClient emails are clear, professional, and prompt; written proposals are tailored and jargon-freePresents credit recommendations to the committee with confidence, transparency, and supporting dataProactively updates clients on market conditions, new products, or regulatory changes that may affect themAdjusts approach when a client prefers phone over email, or vice versaResponds to market downturns or new competitors by revisiting client strategy and adjusting service or pricingStays current on regulatory changes and updates internal processes accordinglyTravel Required: 75%+The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.