Commercial Relationship Manager

Location: Houston, TX

Overview

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.

Key Responsibilities

• 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

Lending & Product Focus

• 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

Qualifications

• 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