Job Description

Senior Commercial Relationship Manager

Location: Seattle, Washington / Greater Puget Sound

Opportunity Overview

An established commercial banking institution is seeking an experienced Senior Commercial Relationship Manager to manage and expand a sophisticated portfolio of commercial banking relationships in the Seattle market.

This opportunity is designed for a proven commercial banker who combines strong credit expertise, business development capabilities, and a relationship-first approach to serving middle-market and established commercial clients.

The position carries responsibility for a commercial loan portfolio exceeding $100 million, encompassing 35 or more banking relationships and generating approximately $1.8 million or more in annual bank revenue.

The ideal candidate will be a commercial banking professional who enjoys developing new business, advising complex clients, structuring financing solutions, and contributing to the institution's long-term growth.

What Makes This Opportunity Different

• Significant portfolio responsibility: Manage a substantial commercial banking portfolio with complex client relationships.
• Business development opportunity: Expand market presence through direct origination, referral relationships, and community involvement.
• Strategic involvement: Contribute ideas and perspectives to senior leadership discussions.
• Relationship-oriented approach: Develop long-term partnerships with business owners and financial decision-makers.
• Collaborative banking platform: Work alongside internal specialists to deliver comprehensive financial solutions.
• Sophisticated lending exposure: Structure and manage commercial credit facilities across multiple industries.
• Leadership opportunities: Serve as a subject-matter expert and provide mentorship to other bankers.
• Competitive compensation: Attractive base salary with additional discretionary incentive opportunities.

Responsibilities

• Manage and grow an established portfolio of complex commercial banking relationships.
• Originate new commercial loans, deposit relationships, and fee-generating business.
• Develop and execute business development strategies targeting commercial and middle-market clients.
• Build long-term relationships with business owners, executives, CFOs, and other financial decision-makers.
• Develop referral partnerships with attorneys, CPAs, business advisors, and other centers of influence.
• Conduct comprehensive financial reviews to understand clients' operating needs, financial objectives, and borrowing requirements.
• Structure and evaluate commercial credit facilities using advanced financial analysis and underwriting techniques.
• Maintain responsibility for portfolio credit quality, risk assessment, covenant compliance, and ongoing relationship management.
• Identify opportunities to introduce treasury management, deposit, and other banking solutions.
• Collaborate with credit, treasury, operations, and other internal banking teams to deliver effective client solutions.
• Participate in local business and community organizations to strengthen market visibility.
• Monitor industry conditions, economic developments, and emerging commercial lending risks.
• Provide mentorship and technical guidance to colleagues when appropriate.
• Contribute to process improvements, business strategies, and senior-level discussions.
• Maintain compliance with applicable banking regulations, credit policies, and internal risk management standards.

Ideal Candidate Profile

• 10+ years of experience in commercial lending, commercial relationship management, and/or commercial credit underwriting.
• Proven success managing complex commercial banking relationships.
• Demonstrated ability to originate and grow commercial loan, deposit, and fee-based business.
• Advanced commercial credit analysis, underwriting, and financial statement analysis capabilities.
• Formal commercial credit training.
• Strong understanding of cash flow lending, collateral analysis, loan structuring, and commercial risk management.
• Experience with commercial credit products serving small and middle-market businesses.
• Knowledge of asset-based lending, capital structure financing, and trade finance.
• Established business development and referral relationships within the Seattle/Puget Sound market preferred.
• Strong communication, negotiation, and client presentation skills.
• Ability to work independently while collaborating effectively with credit and banking partners.
• Sound judgment, strong organizational skills, and a disciplined approach to risk management.
• Bachelor's degree in business, finance, or a related field required.

Preferred Portfolio and Business Characteristics

The strongest candidates will demonstrate experience with:

• Commercial loan portfolios of $100MM or more.
• Approximately 35 or more active commercial banking relationships.
• Portfolios generating $1.8MM or more in annual bank revenue.
• Consistent commercial loan production and relationship growth.
• Meaningful commercial deposit and treasury management opportunities.
• Established relationships with privately held businesses and middle-market companies.
• Complex credit transactions involving operating lines, term financing, real estate-secured commercial credit, and other structured lending solutions.
• Strong historical portfolio credit performance.
• An established network of business owners, executives, and professional referral sources.

Candidates with somewhat smaller portfolios but exceptional production histories, strong credit skills, and established market relationships may also merit consideration

Compensation & Benefits

Base Salary: $164,520–$271,320 annually for Washington-based candidates.

Compensation within this range will depend on relevant experience, commercial banking expertise, production history, education, and other job-related factors.

The opportunity also offers eligibility for annual discretionary cash and stock bonuses.

The comprehensive benefits package includes:

• Medical, dental, and vision insurance
• Short-term and long-term disability coverage
• Life insurance
• 401(k) retirement plan
• Health savings and flexible spending accounts
• Employee assistance program
• Paid time off, with approximately 18 days of annual accrual for new hires, inclusive of paid sick time
• Up to 11 paid federal holidays

Compensation and benefit details are subject to applicable plan terms and hiring location.