Purpose: The Commercial Relationship Manager serves as a trusted financial partner to business owners and key Centers of Influence within the local mid-Atlantic market. This role is responsible for cultivating and expanding relationships with mid-sized and large commercial clients, developing new business opportunities, and managing a portfolio of existing relationships. Through a consultative approach, the Relationship Manager delivers lending, deposit, and treasury management solutions that support client success while driving portfolio growth, fee income, and deposit generation in alignment with the Bank's strategic objectives.
Essential Functions
Works with business owners, management, or designated advisors in analyzing borrowers’ financial and operating strategies to recommend credit solutions that meet their immediate and long-term capital needs
Proactively works to generate additional non-interest income through opening new deposit accounts, cash management products, merchant card services, wealth management, benefit programs and other financial services from prospects and existing customers. Networks within the community with Centers of Influence and provides guidance to teammates on individual strategies and tactics to enhance the Bank’s business development efforts.
Manages, maintains, and services a large loan portfolio that meets established lending requirements and maximizes profitability with acceptable risk. Maintains ongoing communication with customers to remain current on operating strategies and related capital needs and obtains updated financial information as needed.
Reviews customer application documentation and financial data acting as first line of quality control prior to submitting to underwriting by utilizing knowledge of credit risk process and ensures that all relevant credit operating, and compliance policies and procedures are followed. Prepares clear and concise opportunity and/or transaction memorandums to be delivered with credit requests for approval.
Participates and supports appropriate community and civic events to promote goodwill and obtain new business
Demonstrate the standards and principles of the Five Star Bank experience in every interaction with internal and external customers, associates, and stakeholders. Incorporate the high-performance behaviors of teamwork, leading by example, and service in every facet of work.
Required
Education: Bachelor’s Degree
Prior Experience: 10+ years of commercial lending sales
Competencies
- Exceptional verbal and written communication skills, with the ability to effectively engage clients, prospects, and business partners.
- Working knowledge of Microsoft Office applications with the ability to learn new and existing bank software
- Results-driven and highly motivated sales professional with a proven ability to identify opportunities, deepen client relationships, and deliver tailored banking and non-bank financial solutions.
- Analytical ability to interpret financial information and determine credit worthiness of borrowers and prospects
- Knowledge of Commercial credit and underwriting policy and procedures
- Local Market knowledge and the ability to develop, retain and expand relationships with Center of Influence
Physical Requirements
Extensive travel within footprint.
Extensive computer usage is required.
Benefits
Medical, Dental, and Vision Insurance
Health Savings Account
Flexible Spending Account(s)
Company Paid Life Insurance, Long Term Disability, and Short Term Disability
Voluntary Offerings: Life, Critical Illness/Specified Disease, Accident, Hospital Indemnity & Personal Accident
Tuition Reimbursement
Employee Referral Program
Wellness Reimbursement Program
Star Volunteer Program
Employee Banking and Financial Perks
Paid Time Off (PTO)
Company Paid Holidays
This job description is not exhaustive. The Commercial Relationship Manager may be required to perform other duties as assigned.
Job description provided by Five Star Bank.
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