Senior Relationship Manager (Commercial)

Job Title: Senior Relationship Manager – Commercial Banking

Reports To: Chief Lending Officer
Employment Type: Full-Time, Exempt

Position Summary

The Senior Relationship Manager (SRM) is responsible for developing, managing, and expanding a portfolio of Commercial Real Estate (CRE) and Commercial & Industrial (C&I) relationships. This role combines deep real estate lending expertise with strong general commercial credit acumen to deliver comprehensive banking solutions that support clients’ financing, deposit, and treasury needs.

The ideal candidate is a seasoned commercial banker with the ability to structure complex real estate and operating company transactions, serve as a trusted financial advisor, and contribute to the strategic growth of the bank’s commercial portfolio within the market.

Key Responsibilities

Portfolio & Relationship Management

• Manage a portfolio of CRE and C&I clients, including developers, investors, and privately held operating companies.

• Serve as the primary point of contact for clients, providing tailored credit, deposit, and cash management solutions.

• Conduct regular client reviews to monitor credit performance, uncover new opportunities, and ensure client satisfaction.

• Build and maintain a strong referral network through relationships with brokers, developers, accountants, and industry professionals.

Business Development

• Source new loan and deposit relationships through proactive business development efforts.

• Identify opportunities to cross-sell treasury management, merchant services, and private banking solutions.

• Collaborate with internal partners to design and deliver holistic financial solutions.

• Represent the bank in community and industry organizations to promote brand visibility and market presence.

Credit & Structuring Expertise

• Structure, negotiate, and underwrite complex CRE and C&I transactions, including construction loans, term financing, owner-occupied facilities, and working capital lines of credit.

• Work closely with credit and underwriting teams to ensure proper risk assessment, pricing, and policy adherence.

• Monitor portfolio performance, manage covenant compliance, and identify emerging risks.

Leadership & Collaboration

• Serve as a mentor and resource to junior relationship managers or credit analysts, sharing market knowledge and deal expertise.

• Partner effectively with credit, treasury, and operations teams to ensure seamless execution and high client satisfaction.

• Support market leadership in achieving production and profitability goals.

Qualifications

Education & Experience

• Bachelor’s degree in Finance, Business Administration, Accounting, or related field required; MBA or formal credit training preferred.

• Minimum 4 years of commercial banking experience, with a strong mix of CRE and C&I relationship management and credit underwriting.

• Proven track record of originating and managing a profitable portfolio of commercial clients.

• Demonstrated ability to manage both investor/developer relationships and operating company clients.

Skills & Competencies

• Deep understanding of CRE structures (construction, term, and bridge financing) and C&I credit facilities (lines of credit, term loans, equipment financing).

• Strong financial and credit analysis skills.

• Exceptional relationship-building and consultative sales abilities.

• Excellent communication, negotiation, and presentation skills.

• High degree of initiative, professionalism, and integrity.

• Proficiency with CRM and loan management systems.

Performance Metrics

• Loan and deposit growth and profitability

• Portfolio credit quality and risk management

• Cross-sell success across bank products

• Client satisfaction and retention

• Contribution to market growth initiatives