Commercial Banking Relationship Manager (Agriculture)
At a glance
Manager-level Account Management role at Commerce Bank. IL - Central Illinois - Bloomington - Bloomington Main (61701) · full-time · $119,000–$188,000 base.
growthroles summary, based on the employer's posting.
What you'll do
- Build business with assigned customers and prospects, while serving as the lead advisor for a complex commercial portfolio
- Keep customers satisfied and retained by resolving issues and bringing in product specialists when needed
- Work with product partners to match customers with relevant banking products and services
- Review portfolio performance and structure credit requests, from pricing and collateral through documentation and risk analysis
- Develop referral relationships through community and business groups, while meeting bank rules and regulatory obligations
What you bring
- At least five years in commercial banking, plus a business administration degree or equivalent education and experience
- Deep knowledge of agricultural lending and relationship management, including agribusiness and food-processing customers
- You can structure complex credit requests and apply commercial products, credit policies and terminology
- You hold a valid driver’s license, meet the bank’s driving-record standards and can work in the U.S. without sponsorship
Who this fits
This role suits an experienced commercial banker who can manage complex relationships, win new business and mentor junior colleagues. The position is hybrid and based in Bloomington, Illinois. U.S. work eligibility without current or future sponsorship is required, and employment depends on meeting the bank’s driving requirements.
From the employer
About Working at Commerce
Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.
Compensation Range
Annual Salary: $119,000.00 - $188,000.00 (Amount based on relevant experience, skills, and competencies.)About This Job
The main purpose of this job is to be involved in both the comprehensive management of existing commercial relationships as well as solicit new business opportunities with assigned customers and targeted prospects. Although it can vary by market, targeted companies generally include those with annual sales of $15MM and over.
The ideal candidate will have significant agricultural lending and relationship management experience, with a demonstrated ability to develop and maintain relationships with agribusinesses, food processors, and related industries. A strong understanding of agricultural operating cycles, grain and commodity markets, and the financial needs of agricultural customers will be important to the role.
Essential Functions
- Reach out to assigned customers and targeted prospects with the objective to acquire new business
- Serve as the primary advisor for an assigned portfolio of diverse and complex commercial relationships, ensuring a high level of customer satisfaction and retention
- Coordinate with product partners to cross-sell a full range of products and services
- Critically review and analyze portfolio to reduce risk and enhance profitability
- Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
- Facilitate the resolution of customer problems, engaging product experts as needed
- Participate in community and business functions/groups to ensure a positive image for the bank and to establish referral contacts within the marketplace
- Ensure compliance with all bank policies, procedures, regulations, and laws
- Manage a portfolio of commercial relationships with some or all of the following characteristics:
- Average loan portfolio O/S of $100MM to $150MM
- Average deposit portfolio of $50MM to $100MM
- Annual contribution of $750M to $1.5MM
- Perform other duties as assigned
Knowledge, Skills & Abilities Required
- Strong knowledge of full range of commercial products, credit policies, procedures and terminology
- Ability to maintain a valid driver’s license and meet Commerce Bank’s driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
- Strong time management skills, with ability to appropriately prioritize calling activities and strategies
- Goal oriented with well-developed sales skills
- Strong strategic, analytical, and problem-solving skills
- Ability to mentor and provide leadership to junior roles
- Experienced at structuring complex credit requests
- Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
- Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
- Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
- Basic proficiency with Microsoft Word, Excel and Outlook
Education & Experience
- Bachelor’s degree in Business Administration, or equivalent combination of education and experience required
- 5+ years of commercial banking experience required
For this position, federal regulations require Commerce Bank to prepare an investigatory consumer report which will disclose credit history. If you express interest in and are considered for this position, you will be asked to authorize that report.
For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you’ll be asked to authorize our review of that record.
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Commercial Banking Relationship Manager III or Senior level job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $119,000 to $188,000 annually. This position will be eligible for additional compensation through performance-based incentive plans that will correspond to meeting performance goals.
Must be eligible to work in the US without sponsorship now or in the future.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 1339 E Empire St, Bloomington, Illinois 61701Time Type:
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