Senior Commercial Relationship Manager

Stillman Bank

. Originate and develop new commercial lending relationships through prospecting, referrals, centers of influence, and community involvement .

Posted 11/3/2026full-timeRockford • Illinois • United StatesSenior💰 $130,000 - $180,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge in commercial lending, including financial statement analysis, credit underwriting, and portfolio management. Proven ability to originate and manage commercial banking relationships while adhering to compliance and regulatory standards.

Highest-signal resume keywords

Commercial Lending ExperienceFinancial Statement AnalysisCredit UnderwritingRelationship ManagementProblem Loan Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan StructuringCollateral EvaluationPortfolio ManagementCash Flow AnalysisNegotiation SkillsCredit JudgmentRisk AssessmentWorkout SolutionsBankruptcy StrategiesForeclosure Management

Soft Skills

Communication SkillsPresentation SkillsBusiness DevelopmentCustomer ServiceDiscretion

Certifications & Qualifications

Formal Commercial Credit Training

Industry Keywords

C&I LendingCommercial Real Estate LendingCommunity BankingSyndicated CreditsCredit PoliciesLoan Approval AuthoritiesDocumentation StandardsRegulatory Compliance

About the role

Key responsibilities & impact

Originate and develop new commercial lending relationships through prospecting, referrals, centers of influence, and community involvement
Maintain and expand an assigned portfolio of commercial relationships
Identify lending, deposit, and other banking opportunities
Evaluate borrower financial performance, repayment capacity, cash flow, guarantor support, collateral, industry conditions, and transaction risks
Structure, negotiate, and recommend C&I, commercial real estate, and other commercial credit facilities
Prepare or oversee credit presentations and loan approval recommendations
Coordinate documentation, closing, and ongoing portfolio administration
Monitor borrower performance, covenants, collateral, financial reporting, and risk ratings
Identify emerging credit concerns and take timely action
Manage assigned criticized, underperforming, nonperforming, and problem commercial loan relationships
Develop, negotiate, and implement workout plans, including restructurings, forbearance agreements, repayment arrangements, collateral liquidation, foreclosure, bankruptcy, note sales, and other exit strategies
Analyze borrower, guarantor, and sponsor financial information and collateral positions
Monitor action-plan milestones, payment performance, covenant compliance, collateral protection, and credit quality
Coordinate with borrowers, guarantors, legal counsel, accountants, consultants, participant lenders, and other stakeholders
Review commercial loan documents and work with counsel on enforcement, litigation, receivership, bankruptcy, foreclosure, and recovery matters
Prepare and present problem loan reports, credit analyses, action plans, and recommendations to senior management and committees
Partner with lending and credit personnel to identify deteriorating credits and guide remediation strategies
Mentor less experienced lenders and credit personnel
Adhere to Bank credit policies, loan approval authorities, documentation standards, regulations, and compliance requirements
Perform other duties as assigned

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Business Administration, or related field, or equivalent relevant experience
Significant progressively responsible experience as a commercial lender; ideally 15–20 years in commercial banking
Direct lending, underwriting, and relationship management experience
Advanced knowledge of traditional commercial lending, financial statement and cash-flow analysis, credit underwriting, loan structuring, collateral evaluation, documentation, and portfolio management
Strong working knowledge of C&I and commercial real estate lending
Demonstrated ability to originate and manage commercial banking relationships
Sound credit judgment and ability to independently assess complex transactions, identify risk, and recommend practical solutions
Knowledge of problem loan management, restructuring, creditor remedies, collections, bankruptcy, foreclosure, and collateral recovery strategies
Strong business development, relationship management, negotiation, communication, and presentation skills
Ability to balance customer service, production goals, credit quality, and sensitive workout matters with discretion and limited supervision
Demonstrated success in commercial loan origination and portfolio management, including C&I and commercial real estate credits
Completion of a formal commercial credit training program strongly preferred
Experience managing criticized or problem commercial loans and negotiating restructurings or workout solutions strongly preferred
Community banking experience strongly preferred
Experience with participated or syndicated credits preferred

Benefits

Comp & perks

Paid vacation time
Paid flex (personal) time
Paid wellness time
Paid birthday
Paid volunteer time off
11 paid holidays
Two health plans through Blue Cross Blue Shield of Illinois
Dental insurance
Vision insurance
Employer-paid short-term disability insurance
Employer-paid long-term disability insurance
Employer-paid life insurance
Additional life insurance available for purchase at a group rate
Discretionary 401(k) match
Profit-sharing contributions