Commercial Relationship Manager

Commercial Relationship ManagerLocation: Houston, TXOverviewWe 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.Key ResponsibilitiesIdentify, develop, and expand new and existing commercial relationships with a strong focus on primary operating deposits, liquidity balances, and treasury management servicesProactively prospect, interview, and onboard commercial clients seeking full-relationship banking solutions, including deposits, cash management, payments, and creditManage and grow a commercial portfolio with accountability for deposit growth, treasury management penetration, loan production, portfolio quality, and relationship profitabilityAnalyze financial statements, cash flow, and operating activity to assess creditworthiness, deposit potential, and overall relationship riskStructure and originate commercial loans that support client operating needs while reinforcing deposit balances and treasury service utilizationPrepare and present credit requests and recommendations in accordance with Bank policies; communicate approvals and declinations to clientsCoordinate closely with internal partners including Treasury Management, Credit, Operations, and Legal to ensure accurate structuring and execution of loan and deposit documentationMonitor loan performance, covenant compliance, and overall relationship health; proactively address exceptions or deteriorating trendsOversee the end-to-end relationship onboarding and loan origination process while continuously identifying opportunities to deepen relationshipsBuild a well-diversified, profitable portfolio that supports the Bank's asset quality, funding stability, and non-interest income goalsRepresent the Bank in the local market through participation in business and nonprofit organizations aligned with the Bank's CRA and community engagement strategyLending & Product FocusC&I LoansOwner-Occupied Commercial Real EstateLines of CreditEquipment FinancingCommercial Real Estate (ground-up construction, rehabs, refinances)Average deal size: ~$1MMInternal legal lending limit: $4MMQualificationsProven success generating core commercial deposits and new loan productionStrong experience managing commercial relationships and credit riskAbility to structure loans and treasury solutions that support full-relationship bankingEstablished or transferable Houston-area business network strongly preferredStrong financial analysis, underwriting, and relationship management skillsCollaborative approach with internal credit, treasury, and operations partners