Principal Commercial Relationship Manager

Job Description and Requirements

The Principal Commercial Relationship Manager is responsible for soliciting, negotiating, underwriting and coordinating the closing of equipment, SBA, commercial real estate, and business loans in compliance with the credit union’s lending policies and procedures; develops business checking and deposit relationships with members; and promotes business for the credit union by maintaining good member services/relations. In addition, the Principal Commercial Relationship Manager acts as a market leader for designated business segments and serves as a subject matter expert for complex commercial lending relationships. The Principal Commercial Relationship Manager is also responsible for managing existing relationships and ongoing monitoring and compliance requirements related to the portfolio.

* This job may be eligible for work from home - hybrid schedule. The Principal Commercial Relationship Manager is based at RBFCU Administrative Service Center: 1 Ikea-RBFCU Pkwy, Live Oak, Texas 78233.

Essential Functions and Responsibilities:

• Manage, identify, develop, and originate complex relationships including Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending opportunities through strategic market development initiatives, targeted business acquisition efforts, and relationship-driven sales activities focused on small- and middle-market businesses.
• Build, manage, and retain a high-quality commercial loan portfolio while achieving production, growth, and profitability goals through new lending, deposit generation, and fee income opportunities.
• Develop deep relationships with business members to understand their financial needs and deliver comprehensive lending, deposit, treasury, and consumer solutions that strengthen long-term engagement.
• Independently assess financial statements, cash flow, collateral, and credit risk to structure sound lending solutions that balance member needs with the credit union's risk appetite.
• Research, evaluate, and recommend solutions for complex credit matters while ensuring all lending decisions align with established policies, procedures, regulatory requirements, and risk tolerance standards.
• Monitor portfolio performance, loan exceptions, covenant compliance, and delinquency trends; proactively identify emerging risks and implement strategies to protect asset quality and minimize potential losses.
• Evaluate market trends, competitive conditions, and emerging business opportunities to develop targeted growth strategies. Establish and maintain influential relationships with commercial real estate brokers, CPAs, attorneys, business leaders, and community organizations to expand market presence and generate new business opportunities.
• Partner with lending,  loan operations, legal, compliance, and other internal stakeholders to ensure efficient underwriting, approval, closing, and ongoing servicing of commercial relationships.
• Provide technical leadership and guidance to commercial lending staff through mentoring, coaching, workflow support, and review of complex lending opportunities.
• Effectively communicate complex financial and credit information to executives, committees, members, and business partners while presenting well-reasoned recommendations that support informed decision-making.
• Serve as the primary relationship manager for assigned business members, developing comprehensive solutions across lending, deposit, treasury management, and other financial services.
• Provide input regarding commercial banking strategies, market opportunities, and product development initiatives.
• All other duties as assigned (note: essential functions and responsibilities may change, or new ones may be assigned at any time with or without notice).

Requirements: 

• Bachelor’s degree in Finance, Accounting, Economics or Management
• Minimum of 10 years of direct Commercial Lending/Relationship Management/Business Development experience or related business lending experience
• Working knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis
• Excellent verbal and written communication skills as well as strong presentation skills Moderate skill set in Microsoft Office Applications
• Ability to perform intermediate level accounting and financial analysis under moderate supervision 

Preferred: 

• Formal Credit Training 

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.