C&I Relationship Manager

Job Summary

This is a producing relationship-management role focused on new business development, commercial lending, deposit growth, and long-term client relationships.

The ideal candidate will have a strong track record of originating C&I business, developing new commercial relationships, structuring credit solutions, and growing both loan and deposit relationships. This individual should be comfortable working directly with business owners, executives, and key decision-makers while partnering closely with Credit, Treasury Management, and other internal teams.

The successful candidate will bring strong commercial credit knowledge, financial analysis skills, business development capabilities, and an established network within the local market.

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Essential Duties & Responsibilities:

Develop and grow new C&I and commercial banking relationships through proactive business development and market outreach.
Identify and pursue prospective clients through networking, referrals, Centers of Influence, community involvement, and existing professional relationships.
Manage and deepen relationships with privately held and middle-market businesses.
Generate new commercial loan and deposit opportunities while expanding the bank's overall share of wallet.
Originate and structure C&I credit facilities, including working capital lines of credit, term loans, equipment financing, owner-occupied commercial real estate, and other commercial lending solutions.
Analyze borrower financial statements, tax returns, cash flow, debt service capacity, collateral, credit history, and overall financial condition.
Prepare and present credit recommendations and loan proposals in accordance with bank policies and established credit standards.
Partner with Credit and Underwriting teams to structure transactions, address credit issues, and move opportunities efficiently through the approval process.
Present transactions to Loan or Credit Committee as required.
Develop and maintain a high-quality commercial loan portfolio while actively monitoring client performance and credit risk.
Conduct annual reviews, portfolio reviews, and ongoing financial analysis of commercial relationships.
Identify opportunities to increase core deposits, treasury management, cash management, and other banking services within existing and prospective relationships.
Work closely with Treasury Management partners to identify and implement solutions that increase operating deposits and strengthen client relationships.
Maintain accurate pipelines, call reports, financial information, and relationship documentation.
Monitor loan covenants, financial performance, collateral, and other portfolio requirements.
Maintain strong knowledge of commercial banking products, credit policies, regulatory requirements, and risk management practices.
Build and maintain a strong network of local business owners, professionals, attorneys, CPAs, commercial real estate professionals, and other Centers of Influence.
Represent the bank within the local business community through networking, associations, chambers, and community events.
Ensure all lending and relationship-management activities comply with applicable banking regulations, BSA/AML requirements, and internal policies.

Minimum Requirements:

5+ years of commercial banking, commercial lending, or C&I relationship management experience.
Proven experience originating and developing C&I commercial relationships.
Demonstrated ability to generate new business rather than primarily managing an inherited portfolio.
Strong commercial credit and financial analysis skills.
Experience structuring and underwriting commercial loans and working capital facilities.
Ability to analyze financial statements, tax returns, cash flow, collateral, and debt service capacity.
Experience managing commercial relationships with business owners and senior executives.
Proven ability to generate both commercial loan and deposit growth.
Strong understanding of Treasury Management and the ability to identify opportunities to expand client relationships.
Experience presenting transactions to Credit or Loan Committee.
Strong knowledge of commercial banking products, credit policies, and regulatory requirements.
Established network and knowledge of the local business market strongly preferred.
Community bank, regional bank, or other relationship-driven commercial banking experience preferred.
Bachelor's degree in Finance, Accounting, Business, Economics, or a related field preferred.
Strong communication, presentation, negotiation, and relationship-building skills.
Highly organized, self-motivated, and comfortable working independently in a production-oriented environment.

C&I Relationship Manager

Job Summary

Essential Duties & Responsibilities:

Minimum Requirements:

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