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Commercial Relationship Manager III

Location: Bowling Green, KY (Hybrid)

Status: Full-Time, Salary Exempt

At First Financial Bank, we believe strong commercial relationships are built on trust, expertise, and a deep understanding of our clients’ businesses. As a Commercial Relationship Manager III, you will play a key role in expanding our commercial portfolio while delivering tailored financial solutions that help businesses grow and succeed.

This role is ideal for an experienced lender who thrives in both relationship development and credit execution. You will have the opportunity to build a portfolio, develop new business, and position yourself for continued advancement into a senior commercial leadership role — all while contributing to a collaborative, growth-focused culture.

• Develop new business relationships: Prospect, cultivate, and grow relationships with new and existing commercial clients to expand loan and deposit portfolios.
• Originate commercial loans: Structure and present lending solutions that align with client needs and Bank policies.
• Underwrite credit requests: Analyze financial statements, cash flow, and collateral to assess risk and determine appropriate loan structures.
• Close and manage loans: Oversee the full loan lifecycle from approval through closing, ensuring compliance with all regulatory and Bank requirements.
• Build deposit relationships: Identify and deliver deposit and treasury solutions that strengthen client relationships and support growth.
• Manage portfolio performance: Monitor credit quality, maintain accurate risk ratings, and ensure ongoing compliance within your portfolio.
• Advise business clients: Provide insight on business trends, financial strategies, and economic conditions impacting client operations.
• Execute sales strategies: Develop and maintain client call plans, conduct sales presentations, and drive consistent pipeline activity.
• Cross-sell banking solutions: Identify opportunities to connect clients with additional products and specialized banking services.
• Collaborate across teams: Partner with credit, treasury, retail, and other internal teams to deliver comprehensive client solutions.
• Maintain client records: Ensure all customer files, documentation, and reporting are accurate and up to date.

• Bachelor’s degree in Business, Finance, Accounting, Economics, or related field preferred.
• Minimum of 10 years of experience in commercial lending, credit analysis, audit, or finance.
• Proven ability to develop new business, cultivate referral sources, and grow client relationships.
• Experience managing complex credits and working independently in a results-driven environment.
• Strong understanding of commercial lending principles, underwriting, and risk management.
• Demonstrated ability to meet or exceed sales goals, including prospecting and client retention.
• Excellent communication, relationship-building, and problem-solving skills.
• Ability occasionally to work at various locations within driving distance.
• Ability to work in a fast-paced, time-sensitive environment with a flexible schedule.
• Ability to remain in a stationary position for up to 75% of an eight (8) hour workday.
• Ability to review information and details at close range (within a few feet).

What We Offer

Who We Are

First Financial Bank is a dynamic financial institution with over $6 billion in assets and a proud history dating back to 1834. With more than 75 banking centers across five states, we are committed to empowering our clients, fostering personal growth, and building community.

Joining First Financial Bank means becoming part of a legacy where your work directly contributes to the stability and growth of the communities we serve. Here, you are more than an employee; you are an essential member of a team dedicated to living out the values of "One First" every day. Be part of a bank that values your contributions and invests in your future!

Ready to Join Us?

Apply now and take the next step in your banking career! We review all applications and will respond promptly.

First Financial Bank is an Equal Opportunity Employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, disability, military and/or veteran status, or any other Federal or State legally protected classes.