CLIENT RELATIONSHIP MANAGER

Client Relationship Manager for Business and Commercial Lending

Role Overview

The Client Relationship Manager (CRM) for Business and Commercial Lending serves as a key liaison between the financial institution and its business clients. The role focuses on fostering strong, long-lasting relationships with clients while ensuring their financial needs are met through tailored lending solutions. This position requires a deep understanding of commercial lending products, exceptional interpersonal skills, and the ability to navigate complex financial scenarios.

Responsibilities

1. Client Engagement and Relationship Management

• Build and maintain strong relationships with business clients by understanding their financial goals and challenges.

• Serve as the primary point of contact, ensuring consistent communication and timely responses.

• Conduct regular check-ins to assess satisfaction and identify opportunities for support.

2. Business Development

• Identify new opportunities within the commercial sector to expand the client portfolio.

• Collaborate with internal teams to create strategies for acquiring new clients and cross-selling lending products.

• Represent the institution at industry events and networking opportunities.

3. Loan Origination and Management

• Analyze client financial statements and business plans to assess creditworthiness.

• Guide clients through the loan application process while ensuring compliance with regulations.

• Partner with underwriting teams to facilitate loan approvals and resolve issues.

4. Client Advocacy

• Act as an advocate for clients within the institution.

• Provide feedback on client expectations and market trends to improve products and services.

5. Risk Management

• Monitor client accounts to identify risks or signs of financial distress.

• Collaborate with risk management teams to develop mitigation strategies.

6. Reporting and Documentation

• Maintain accurate records of client interactions, loan agreements, and account activities.

• Prepare regular reports on client performance and portfolio status.

Key Competencies

• Strong knowledge of commercial lending products, policies, and market trends.

• Excellent communication, negotiation, and relationship-building skills.

• Ability to analyze financial data and make sound recommendations.

• Proactive problem-solving and decision-making abilities.

• High level of professionalism and commitment to client satisfaction.

Qualifications

• Bachelors degree in Finance, Business Administration, or a related field.

• Experience in commercial lending or financial services preferred.

• Proficiency in financial analysis tools and CRM software.