Job Summary: The
C&I Relationship Manager is responsible for originating, managing, and growing a portfolio of
Commercial & Industrial (C&I) clients by providing tailored financing, deposit, and treasury solutions. This role focuses on businesses with operating lines of credit, equipment financing, working capital needs, and other C&I-related lending structures backed by real estate collateral.
In addition to technical lending expertise, this officer must serve as a true advisor to business owners. The Relationship Manager must possess strong business acumen, patience, innovative thinking, and the ability to deeply understand a client's operations and financial needs. The ideal candidate is not a "cookie cutter" banker, but a thoughtful, solutions-oriented advisor who can creatively utilize the bank's products and confidently propose appropriate loan structures to Credit Administration.
The C&I Relationship Manager will build strong, long-term client relationships, assess creditworthiness, and partner closely with internal teams to deliver comprehensive banking solutions.
Essential Job Functions - Proactively develop and manage a portfolio of C&I clients, including manufacturers, distributors, professional services firms, and other operating businesses.
- Originate and structure credit facilities such as working capital lines, term loans, equipment financing, and accounts receivable financing based on client needs and cash flow.
- Generate new business opportunities by identifying prospects, conducting outreach, and leveraging existing relationships within the local business community.
- Work with treasury managers to develop deposit relationships, cash management opportunities, and cross-sell the bank's full suite of business banking products (e.g., treasury services, merchant services, business cards).
- Maintain accurate records of client interactions, pipeline activity, and portfolio performance.
- Keep up to date with market trends, industry regulations, and competitor offerings to ensure solutions remain competitive and relevant.
- Act as a trusted advisor to clients by demonstrating patience, thoughtful listening, and the ability to understand core business operations and challenges.
- Apply innovative thinking to identify customized financial solutions using the bank's product suite.
- Confidently propose well-structured loan requests to Credit Administration, supported by sound credit rationale and a strong understanding of borrower needs.
Supervisory Responsibility This position has no supervisory responsibilities but may serve as a lead staff member of staff unit.
Knowledge - Knowledge of economic and accounting principles and practices, financial markets, banking, and the analysis and reporting of financial data.
- Knowledge of business and management principles.
- Knowledge of principles and processes for providing customer and personal services.
Abilities - Communicate information and ideas clearly so others can understand.
- Apply general rules to specific problems to produce sound answers.
- Listen effectively and understand information and ideas presented verbally.
- Advise clients with patience, insight, and strong business understanding.
Qualifications/Requirements - Bachelor Degree/Master's Degree or equivalent.
- Actively strive to increase customers' deposit business within the bank.
- Demonstrated sales experience, negotiation skills, business development, portfolio management skills, accounting and/or financial acumen.
