Commercial Relationship Manager

Commercial Relationship Manager

Location: Houston, TX

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.

• 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

• 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

• 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