Small Business Relationship Manager

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people's success - today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment - investing the time and resources to understand our clients' immediate needs, identify market opportunities and meet long-term objectives . At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News ' Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate's 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com .
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:

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 clear; 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:

Bilingual Preferred (Reading and speaking in both English and Spanish fluently)
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 at s individual client situations
Achieves annual targets for loan originations, deposit account growth and revenue per subrelationshiping
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

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