Texas Capital Bank

Small Business Relationship Manager - Bilingual Spanish

Texas Capital Bank • $80K — $95K *
Dallas, TX 75217In-Person
Finance & Insurance
5 - 7 years of experience
Today
Be an Early Applicant
Job Overview by Ladders

Qualifications

  • 5+ years in commercial or small business banking, focusing on relationship management, credit analysis, or lending
  • At least 2 years in a client-facing role managing relationships
  • Proven experience managing a loan or deposit portfolio
  • Successful track record in meeting revenue, cross-selling, or retention targets
  • Preferred experience in community banking or credit unions
  • Bachelor's degree in Business, Finance, Accounting, Economics, or a related field
  • Preferred: MBA, CFA, or professional banking certification (e.g., ABA certification)

Responsibilities

  • Conducts quarterly meetings with clients, in-person or virtually
  • Personalizes client interactions by remembering key details about their business and interests
  • Addresses disputes or concerns effectively by listening and negotiating solutions
  • Builds strong internal relationships within credit and operations teams for collaboration
  • Analyzes financial statements to assess business health and identify issues
  • Identifies business growth constraints through probing questions
  • Maintains detailed documentation of opportunities and follow-ups in CRM
  • Prepares tailored product proposals for clients
  • Achieves targets for loan originations, deposit growth, and revenue per relationship
  • Responds proactively to client needs by adjusting service or pricing strategies based on market conditions
  • Stays informed on regulatory changes and updates internal processes accordingly

Benefits

  • Comprehensive health, dental, and vision insurance
  • Retirement savings plans with company match
  • Paid time off and flexible scheduling options
  • Employee recognition and development programs
  • Opportunities for career advancement and professional growth
Full Job Description
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 role
  • Demonstrated experience managing a loan or deposit portfolio
  • Track record of meeting or exceeding revenue, cross-selling, or retention targets
  • Community banking or credit union experience preferred


Education:
  • Bachelor's degree in Business, Finance, Accounting, Economics, or related field
  • Preferred: MBA, CFA, or professional banking certification (e.g., ABA certification)


Competencies:
  • Reading and speaking in both English and Spanish fluently
  • Relationship 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:
  • English
  • Spanish


Skills:
  • Effective Communication
  • Interpersonal Skills
  • Problem Solving
  • Prospecting
  • Relationship Building
  • Negotiating


Responsibilities:
  • Schedules and conducts in-person or virtual meetings with clients at least quarterly
  • Remembers key details about client business, family, and 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
  • Can quickly extract key financial ratios and interpret trends from balance sheets and P&Ls
  • Understands cash flow-the core driver of small business viability-and identifies seasonal or structural issues
  • Asks probing questions to understand business models, competitive position, and growth constraints
  • Documents opportunities in CRM and follows up within timely and accurately
  • Prepares clear, concise product proposals tailored to individual client situations
  • Achieves annual targets for loan originations, deposit account growth, and revenue per relationship
  • When facing a client objection or market challenge, initiates discussion with product, credit, or treasury teams
  • Proposes creative structures (e.g., layered credit, partial guarantees, adjusted pricing) while staying within credit policy
  • Documents decisions and rationale for future reference and training
  • Credit files are organized, complete, and audit-ready; no missing documents or outdated financial information
  • All client communications are logged in the CRM and summarized in writing for the file
  • Complies with fair lending, BSA, and regulatory documentation requirements without reminders
  • Client emails are clear, professional, and prompt; written proposals are tailored and jargon-free
  • Presents credit recommendations to the committee with confidence, transparency, and supporting data
  • Proactively updates clients on market conditions, new products, or regulatory changes that may affect them
  • Adjusts approach when a client prefers phone over email, or vice versa
  • Responds to market downturns or new competitors by revisiting client strategy and adjusting service or pricing
  • Stays current on regulatory changes and updates internal processes accordingly


Travel 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.

About Texas Capital Bank

Texas Capital Bank is a commercial bank that provides a range of financial services to businesses and individuals. The bank was founded in 1998 and is headquartered in Dallas, Texas. Texas Capital Bank has over 1,500 employees and operates branches in several states, including Texas, California, and New York. The bank offers a variety of services, including commercial lending, treasury management, and wealth management.
Learn more about Texas Capital Bank
Size
1,500 employees
Industry
Finance & Insurance
Founded
1998
* Ladders Estimates

Similar Jobs

Ad banner background

Get Ready For Your
Next Interview

More Jobs at Texas Capital Bank

More Finance & Insurance Jobs

Find similar Small Business Relationship Manager - Bilingual Spanish jobs:

NationwideDallas, TX