Commercial Banking Relationship Manager - San Antonio
At a glance
Mid-level Account Management role at Hilltop Holdings. San Antonio · full-time.
Pay not stated
Growth Roles summary, based on the employer's posting.
What you'll do
- Build and manage C&I and CRE relationships, growing loans, deposits, and treasury management usage
- Find and close Texas commercial lending opportunities through prospecting, referrals, and industry involvement
- Underwrite borrowers by reviewing financials, cash flow, industry conditions, and collateral
- Monitor the assigned portfolio, address emerging risks, and guide transactions through approval and closing
- Coordinate with Treasury Management, Wealth Management, legal, credit, and other internal teams
What you bring
- A bachelor’s degree and at least five years in commercial lending focused on C&I and CRE financing
- Formal credit training or equivalent underwriting experience, with strong loan structuring and financial analysis skills
- A Texas network spanning business owners, developers, and financial professionals, plus a record of closing loans
- Working knowledge of Salesforce and Microsoft Office tools, including Outlook, Excel, Word, and PowerPoint
Who this fits
You’ll suit a relationship banker who can originate business while maintaining disciplined credit and portfolio oversight. The role calls for established Texas connections, community involvement, and collaboration across lending, treasury, wealth, and credit teams. You’ll travel around Texas for customer meetings and industry activities.
From the employer
PlainsCapital Bank is seeking results-driven Relationship Managers to join our team. This role is responsible for originating, structuring, and managing Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans within the market. Relationship Managers will cultivate long-term client relationships, drive loan and deposit growth, provide consist oversight and administration to ensure strong credit quality and be involved and invested in their local community.
The ideal candidate will have the ability to develop new business while also having strong credit underwriting skills to efficiently identify and structure opportunities that align with the bank’s credit policy and risk appetite. This position requires a full relationship banking approach, including loans, deposits and treasury management, rather than a transactional focus.
The Relationship Manager will be responsible for managing an existing loan portfolio, sourcing new relationships, and partnering across the firm to deliver comprehensive financial solutions. This role also requires an active presence in the Texas business and civic community, leveraging a strong network to generate opportunities and sell the bank’s full suite of products and services.
Business Development & Relationship Banking
- Serve as a trusted advisor, providing customized financial solutions to business owners and real estate investors.
- Bank full relationships, ensuring clients utilize multiple services, including loans, deposits, treasury management.
- Proactively develop new C&I and CRE lending opportunities through direct prospecting, referrals, and industry engagement.
- Partner internally with Treasury Management, Wealth Management, and other business lines to provide comprehensive financial solutions.
- Maintain a wide variety of contacts within and outside the bank, actively contributing to key organizations, community groups and industry associations to expand market reach.
Credit & Risk Management
- Identify and structure transactions that align with the bank’s credit policy and risk parameters.
- Conduct in-depth credit underwriting, analyzing borrower financials, cash flow, industry trends, and collateral to ensure sound credit decisions.
- Work closely with credit analysts and risk teams to package loan proposals for approval.
- Stay informed on financial markets, regulatory changes, and banking products to advise clients effectively.
- Closely monitor the assigned loan portfolio, identifying risks, collecting key information and proactively working with borrowers to mitigate potential issues.
Deal Execution & Collaboration
- Manage deals from inception to close, ensuring smooth execution and adherence to bank credit and compliance standards.
- Work closely with senior leadership, legal, and credit teams to finalize loan structures and terms.
- Partner with internal stakeholders to ensure seamless onboarding and implementation of financial solutions.
- Bachelor’s degree.
- 5+ years of commercial lending experience, with expertise in C&I and CRE financing
- Formal credit training (Commercial Credit Certification or equivalent underwriting experience)
- Strong knowledge of credit underwriting, financial statement analysis, and loan structuring
- Proven ability to source, develop, and close commercial loan transactions in Texas
- Deep relationships with business owners, developers, and financial professionals across Texas markets.
- Strong partnership mindset, with experience collaborating across Treasury, Wealth, Credit, and other divisions to serve clients holistically
- Ability to balance business development with strong risk management discipline.
- Strong negotiation, communication, and relationship management skills.
- Ability to travel within Texas for client meetings and industry engagements
- High interest in and involvement in the communities where we live and work.
- Strong knowledge and application of Salesforce and MS Office products, including Outlook, Excel, Word, and PowerPoint.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
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