Senior Commercial Relationship Manager
First Interstate Bank, Great Falls, Montana, United States, 59404
**SUMMARY**
The role serves as the Relationship Manger for new and existing complex clients and will be responsible for managing a portfolio with a loan portfolio that is greater than $100MM and includes at least 35 bank relationships generating at least $1.8MM in revenue to the bank. This position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. This position also develops and grows new business and builds/maintains strong relationships with prospects to drive financial performance through profitable revenue, growth, and quality credit.
**ESSENTIAL DUTIES AND RESPONSIBILITIES*** Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.* Initiates and develops new business through outside business development activities.* Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.* Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.* Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.* Participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.* Builds client referral pipeline via identification and development of internal and external center of influence.* Develops and maintains an in-depth knowledge of products and services, as well as knowledge of competitors and competitive products.* Promotes bank products and services and keeps clients informed of financial solutions that First Interstate Bank offers to meet their needs.* Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally; knows when and how to bring in teams of experts, as well as identify cross-sell opportunities.* Analyzes credit to determine the ability of clients to qualify for borrowing requirements.* Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.* Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.* Researches and studies industrial, commercial, economic, and financial situations relating to existing and new business.* Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities. Keeps up to date on regulation changes.* Follows all Bank policies and procedures, compliance regulations, and completes all required annual training.* May be asked to coach, mentor, or train others.* Contributes to strategic level discussions with members of the senior management team.* Acts as the Subject-Matter Expert (SME) when difficult questions arise.* Provides practical, relevant ideas and perspectives on processes or process improvement.* Engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**KNOWLEDGE, SKILLS AND ABILITIES*** Computer skills essential, including Word, Excel, and Outlook. Experience with PowerPoint beneficial.* Requires initiative and solid judgement.* Ability to prioritize work and remain adaptable under pressure. Knowledge may be gained through coursework and on-the-job training.* Ability to read, analyze, and interpret common financial reports and legal documents.* Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.* Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.* Ability to define problems, collect data, establish facts, and draw valid conclusions.* Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience; has completed Credit Analyst training.* Knowledge of commercial lending policies, procedures, practices, and documentation.* Excellent written and verbal communication and presentation skills; ability to work effectively with individuals and groups across the company to manage customer relationships.* Proficiency with bank’s risk-rating system, credit products and underwriting policies; working knowledge structuring credit products for small and medium size business in diverse industries.* Experience with asset-based lending, capital structure finance and trade finance.* Bachelor's Degree in Business, Finance, or related field required* 10+ years experience in commercial lending, commercial credit underwriting, and/or equivalent combination of education and experience requiredis an equal opportunity employer committed to a diverse workforce and a barrier-free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws.In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us (406)255-5485, Monday through Friday, 8 am to 5 pm MST or email us at careers@fib.com.***All applicants must pass pre-employment screenings including a background check. First Interstate BancSystem participates in E-Verify which will require new employees to verify their identity and employment eligibility through the internet-based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS).***E-Verify Notice
or
Right to Work Notice
or #J-18808-Ljbffr
The role serves as the Relationship Manger for new and existing complex clients and will be responsible for managing a portfolio with a loan portfolio that is greater than $100MM and includes at least 35 bank relationships generating at least $1.8MM in revenue to the bank. This position establishes and maintains collaborative and strategic partnerships with clients based on knowledgeable advice that is aligned to the clients' business objectives and lifecycle. This position also develops and grows new business and builds/maintains strong relationships with prospects to drive financial performance through profitable revenue, growth, and quality credit.
**ESSENTIAL DUTIES AND RESPONSIBILITIES*** Achieves individual annual production and growth goals for loan, deposits, and fees to ensure the bank meets its overall financial targets and conforms to credit terms.* Initiates and develops new business through outside business development activities.* Ensures ongoing contact with new clients to enhance client’s experience with First Interstate Bank.* Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings.* Uses internal customer sourcing software to generate leads, track activities and make referrals to requisite business partners and bankers.* Participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.* Builds client referral pipeline via identification and development of internal and external center of influence.* Develops and maintains an in-depth knowledge of products and services, as well as knowledge of competitors and competitive products.* Promotes bank products and services and keeps clients informed of financial solutions that First Interstate Bank offers to meet their needs.* Assembles cross-functional team to quickly respond to customer requests when not able to address requests personally; knows when and how to bring in teams of experts, as well as identify cross-sell opportunities.* Analyzes credit to determine the ability of clients to qualify for borrowing requirements.* Assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities; assures accurate risk assessment of assigned portfolio.* Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.* Researches and studies industrial, commercial, economic, and financial situations relating to existing and new business.* Maintains compliance with all bank regulations for assigned job function and applies to designated job responsibilities. Keeps up to date on regulation changes.* Follows all Bank policies and procedures, compliance regulations, and completes all required annual training.* May be asked to coach, mentor, or train others.* Contributes to strategic level discussions with members of the senior management team.* Acts as the Subject-Matter Expert (SME) when difficult questions arise.* Provides practical, relevant ideas and perspectives on processes or process improvement.* Engages, demonstrates, and fosters the First Interstate Bank Mission, Vision, and Values by executing the Service Commitments.**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
**KNOWLEDGE, SKILLS AND ABILITIES*** Computer skills essential, including Word, Excel, and Outlook. Experience with PowerPoint beneficial.* Requires initiative and solid judgement.* Ability to prioritize work and remain adaptable under pressure. Knowledge may be gained through coursework and on-the-job training.* Ability to read, analyze, and interpret common financial reports and legal documents.* Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.* Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.* Ability to define problems, collect data, establish facts, and draw valid conclusions.* Exhibits advanced credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience; has completed Credit Analyst training.* Knowledge of commercial lending policies, procedures, practices, and documentation.* Excellent written and verbal communication and presentation skills; ability to work effectively with individuals and groups across the company to manage customer relationships.* Proficiency with bank’s risk-rating system, credit products and underwriting policies; working knowledge structuring credit products for small and medium size business in diverse industries.* Experience with asset-based lending, capital structure finance and trade finance.* Bachelor's Degree in Business, Finance, or related field required* 10+ years experience in commercial lending, commercial credit underwriting, and/or equivalent combination of education and experience requiredis an equal opportunity employer committed to a diverse workforce and a barrier-free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws.In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us (406)255-5485, Monday through Friday, 8 am to 5 pm MST or email us at careers@fib.com.***All applicants must pass pre-employment screenings including a background check. First Interstate BancSystem participates in E-Verify which will require new employees to verify their identity and employment eligibility through the internet-based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS).***E-Verify Notice
or
Right to Work Notice
or #J-18808-Ljbffr