Commercial Banking Relationship Manager - Dealer Services

About Working at Commerce

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk.

About This Job

The main purpose of this job is to prospect and close new commercial floor plan lines of credit and commercial real estate relationships with franchised dealers (auto, truck, trailer, RV, powersports, etc.) in accordance with the bank’s credit policy. Product offerings include new and used floorplan lines of credit, term loan financing (real estate/construction), DDA / Treasury products, Merchant Services, and Private Banking and Trust services.

Essential Functions

Prioritize and manage the pipeline of opportunities, and formulate and execute appropriate sales strategies

Manage ongoing activity with existing commercial dealer relationships and coordinate the preparation of loan packages and renewals which are presented to Executive Loan Committee for review and a decision

• Collaborate with other Bank Officers to capitalize on existing dealership relationships that have been booked in other areas of the bank (Merchant, Treasury, Trust, etc.)
• Collaborate with team members to sell Bank’s services as appropriate, meeting the customer’s financial needs in a holistic fashion
• Perform other duties as assigned
• Knowledge, Skills & Abilities Required
• Strong knowledge of the dealer services industry
• Ability to accurately review and opine on the strength/weaknesses of the client's income statement and balance sheet reporting with emphasis on cash flow and liquidity

Ability to analyze current and historical financial condition of a company by analyzing ratios, the asset conversion cycle, and cash flow and can identify all the critical elements for loan structuring

• Ability to understand client business strategies and their needs
• Ability to apply accounting principles and analyze credit
• Ability to identify and openly share cross-selling opportunities with partners; ability to influence internal partners/contacts to refer business
• Ability to maintain a valid driver’s license and meet Commerce Bank’s driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
• Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
• Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
• Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
• Intermediate level proficiency with Microsoft Word, Excel and Outlook
• Education & Experience
• Bachelor's degree in Accounting/ Finance or equivalent combination of education and experience required
• 5+ years of broad based sales experience within Commercial Dealership Sales (Floor Plan, Real Estate or Treasury Loans, etc.) preferred