Commercial Banking RM

This position requires deep credit expertise, strong portfolio leadership, and a consistent record of originating and structuring sophisticated commercial transactions.

The VP will manage a portfolio of the organization’s most complex commercial relationships, partner closely with senior credit leadership, provide informal mentorship to junior bankers, and serve as a visible representative within the Michigan business community.

Key Responsibilities Business Development & Market Leadership

• Originate and expand high-value middle-market and commercial relationships across Michigan.
• Drive market growth initiatives aligned with the organization’s commercial banking strategy.
• Build market presence through COI engagement, community involvement, and industry networking.
• Maintain a strong pipeline of quality opportunities, including complex credit structures and larger exposure relationships.

Relationship Management & Client Advisory

• Serve as primary relationship manager for key commercial clients, including privately held companies, family-owned businesses, and mid-sized enterprises.
• Provide strategic advisory support related to growth capital, working capital optimization, acquisitions, and treasury solutions.
• Deliver a proactive, high-touch client experience focused on retention, expansion, and long-term partnership.

Credit Structuring & Risk Management

• Analyze financial statements, tax returns, projections, and industry trends to evaluate credit risk.
• Structure and underwrite complex facilities including term loans, lines of credit, CRE, equipment financing, acquisition financing, and asset-based lending.
• Prepare and present comprehensive credit packages to senior credit committees.
• Actively manage portfolio risk through ongoing monitoring and early issue identification.
• Partner closely with credit officers and underwriting teams to balance growth and risk.

Treasury & Commercial Banking Solutions

• Collaborate with Treasury Management, Deposit Operations, Fraud/Risk, and internal partners to deliver integrated commercial banking solutions.
• Identify opportunities to deepen relationships through deposits, cash management, payments, merchant services, and fraud mitigation tools.

Leadership, Mentorship & Collaboration

• Provide informal mentorship and guidance to junior relationship managers and credit analysts.
• Collaborate across markets to support broader commercial banking initiatives.
• Participate in internal strategy discussions and represent Commercial Banking in client and cross-functional engagements.

Qualifications

• 10+ years of commercial banking or middle-market lending experience.
• Proven success managing and growing a complex commercial loan portfolio.
• Demonstrated ability to originate and close significant commercial credit transactions.
• Advanced financial analysis, underwriting, and credit structuring expertise.
• Strong knowledge of Michigan’s business environment and regional industries.
• Excellent communication, negotiation, and relationship-management skills.
• Bachelor’s degree in Business, Finance, Accounting, Economics, or related field required; MBA or professional certifications (e.g., CTP, CFA) preferred.
• Experience with treasury and cash management solutions strongly preferred.