Responsibilities
- Partner with Relationship Managers and clients during calling activities to evaluate deal readiness, credit considerations, and transaction structure while developing clear recommendations.
- Analyze financial statements, tax returns, credit reports, cash flow information, and industry trends for prospective and existing commercial clients.
- Prepare and review credit analyses, risk assessments, loan modifications, renewals, and extensions for commercial lending opportunities.
- Advise Relationship Managers on deal structuring, credit positioning, and risk mitigation strategies before submission for credit approval.
- Ensure credit packages and documentation meet quality standards, regulatory requirements, and bank policy expectations.
- Maintain, organize, and update loan documentation and credit files to support accurate underwriting and portfolio management.
- Monitor portfolio performance, including covenant compliance, loan maturities, delinquencies, and risk ratings.
- Identify emerging borrower and portfolio risks and recommend appropriate actions to leadership and Relationship Managers.
- Serve as a subject matter resource on commercial lending, credit administration, loan structure, and risk management practices.
- Partner with Commercial Banking Center leadership to support portfolio priorities, execution efficiency, client retention, and growth objectives.
- Help identify opportunities to improve processes, Relationship Manager effectiveness, and overall client outcomes.
- Support compliance with bank policies, security requirements, regulatory standards, and credit risk management protocol
- You have a Bachelor's degree in Accounting, Business, Economics, Law, Computer Science, or a related field (Required).
- An equivalent combination of education and experience can be considered in lieu of a degree.
- You have 6 or more years of relevant experience in commercial banking, credit analysis, financial analysis, or financial risk management (Required).
- You bring advanced financial analysis skills and can confidently assess financial statements, cash flow performance, and tax returns for businesses and individuals with complex financial structures.
- You have a strong understanding of commercial lending, credit underwriting, and risk assessment principles.
- Understand business entity structures and can identify appropriate borrowing and guarantor relationships.
- You are skilled at monitoring portfolio health, including covenant compliance, risk ratings, concentrations, maturities, and loan performance.
- You communicate effectively with clients, business partners, and leadership through clear verbal and written communication.
- Build trusted relationships and can support client needs independently when necessary.
- You recognize opportunities to deepen client relationships through collaboration, retention efforts, and cross-functional teamwork.
- You are highly organized and able to manage multiple priorities while maintaining strong attention to detail.
- You are proficient with Microsoft Office applications, including Word, Excel, Access, and other business software tools.
- You maintain a strong understanding of federal and state laws and regulations governing commercial lending activities.
- Up to 10%
- Do the right thing
- Honesty and integrity "I have the opportunity to learn and grow every day in my current role. I love the work life balance, knowing that we work hard, and strive for high performance but we are celebrated."
the opportunity to make a strong impact while mentoring others and contributing to a high-performing team.
As a Senior Commercial Relationship Manager, you'll drive growth by building meaningful partnerships with complex commercial clients. You'll play a key role in expanding our presence through strategic business development and trusted financial guidance. This role offers the opportunity to make a strong impact while mentoring others and contributing to a high-performing team.
Review Banner's employee benefits at: Employee Benefits | Banner Bank
Please take time to review Banner Bank's Consent & Privacy notice before applying.
Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.
Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings. Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.