Commercial Relationship Manager
hace 13 días
Houston
Job Description Commercial Relationship Manager Location: Houston, TX Overview We are seeking an experienced Commercial Relationship Manager to grow and manage a portfolio of middle-market commercial clients with a strong emphasis on core deposit growth, treasury management solutions, and prudent credit origination. This role is relationship-driven and production-oriented, ideal for a banker who excels at full-relationship banking and balancing deposit, lending, and risk objectives. The position is primarily focused on gathering operating deposits and originating new commercial loans, while maintaining a safe, sound, and profitable portfolio for the Bank. Key Responsibilities * Identify, develop, and expand new and existing commercial relationships with a strong focus on primary operating deposits, liquidity balances, and treasury management services * Proactively prospect, interview, and onboard commercial clients seeking full-relationship banking solutions, including deposits, cash management, payments, and credit * Manage and grow a commercial portfolio with accountability for deposit growth, treasury management penetration, loan production, portfolio quality, and relationship profitability * Analyze financial statements, cash flow, and operating activity to assess creditworthiness, deposit potential, and overall relationship risk * Structure and originate commercial loans that support client operating needs while reinforcing deposit balances and treasury service utilization * Prepare and present credit requests and recommendations in accordance with Bank policies; communicate approvals and declinations to clients * Coordinate closely with internal partners including Treasury Management, Credit, Operations, and Legal to ensure accurate structuring and execution of loan and deposit documentation * Monitor loan performance, covenant compliance, and overall relationship health; proactively address exceptions or deteriorating trends * Oversee the end-to-end relationship onboarding and loan origination process while continuously identifying opportunities to deepen relationships * Build a well-diversified, profitable portfolio that supports the Bank's asset quality, funding stability, and non-interest income goals * Represent the Bank in the local market through participation in business and nonprofit organizations aligned with the Bank's CRA and community engagement strategy Lending & Product Focus * C&I Loans * Owner-Occupied Commercial Real Estate * Lines of Credit * Equipment Financing * Commercial Real Estate (ground-up construction, rehabs, refinances) * Average deal size: ~$1MM * Internal legal lending limit: $4MM Qualifications * Proven success generating core commercial deposits and new loan production * Strong experience managing commercial relationships and credit risk * Ability to structure loans and treasury solutions that support full-relationship banking * Established or transferable Houston-area business network strongly preferred * Strong financial analysis, underwriting, and relationship management skills * Collaborative approach with internal credit, treasury, and operations partners