OPT Commercial Relationship Manager Jobs
Commercial Relationship Manager roles are a strong fit for OPT students with finance, business, or economics degrees. Most positions qualify as specialty occupations for H-1B visa sponsorship, giving you a clear path beyond your OPT period. STEM OPT extensions are not available for this role unless your degree field qualifies.
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Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. Manages complex accounts or has an assigned market region of a complex nature.
Key Responsibilities Include
- Maintains a client portfolio for the bank
- Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank
- Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank
- Work with Management to recognize client needs and matching the bank's capabilities to meet these needs
- Maintain a thorough knowledge of bank's lending policies and regulatory requirements
- Provide mentoring and training to other bank associates
- Maintain proper house-holding of relationships
- Continually upload financial information and client detail into central repository throughout the underwriting process
- Gather financials for new and renewal opportunities with clients
- Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process
- Work directly with the underwriter to ensure accurate reflection of financials and to ensure accurate preparation of Loss Given Default, Probability of default and Risk Adjusted Return on Capital models at time of new/renew requests
- Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
- CRM and Under Writer work together to appropriately ensure accuracy of underwriting package
- Finalize term sheets to meet client and bank needs
- Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team
- Builds and maintains a portfolio mix of targeted high value and high potential clients
- Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value
- Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervision
- Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed
- Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions
- Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
- Performs all other duties as assigned
Qualifications Include
- Bachelor (4-year college) degree
- 6-8 years of experience or an equivalent combination of education and experience
- Experience with Microsoft Outlook, Word, and Excel
About us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More - FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Summary
Develops new customer prospects and business with commercial clients, with the potential to manage a portfolio of commercial clients. Makes and services a wide variety of business and individual loans to build long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality. Manages complex accounts or has an assigned market region of a complex nature.
Key Responsibilities Include
- Maintains a client portfolio for the bank
- Expand existing client relationships which generate incremental revenue for the bank while developing new client relationships which generate acceptable returns for the bank
- Work with the Management and Underwriters to analyze the credit strengths and weaknesses of prospective borrowers and make loan decision recommendations, make recommendations on loan pricing which are competitive with the marketplace and achieve an acceptable return for the bank, and structure loans (term, covenants, collateral, guarantees, etc.) which appropriately protects the bank
- Work with Management to recognize client needs and matching the bank's capabilities to meet these needs
- Maintain a thorough knowledge of bank's lending policies and regulatory requirements
- Provide mentoring and training to other bank associates
- Maintain proper house-holding of relationships
- Continually upload financial information and client detail into central repository throughout the underwriting process
- Gather financials for new and renewal opportunities with clients
- Prepare Opportunity Memos (with Management) as needed for new and renewal requests to initiate underwriting process
- Work directly with the underwriter to ensure accurate reflection of financials and to ensure accurate preparation of Loss Given Default, Probability of default and Risk Adjusted Return on Capital models at time of new/renew requests
- Coordinate deal team meetings between Relationship Manager, Market President, Senior Credit Officer, and Underwriter
- CRM and Under Writer work together to appropriately ensure accuracy of underwriting package
- Finalize term sheets to meet client and bank needs
- Engage underwriting to update results of term sheet accordingly and as needed to be reviewed by deal team
- Builds and maintains a portfolio mix of targeted high value and high potential clients
- Acts as a financial advisor by educating the customer about financial strategies (e.g. Financial planning, investments, insurance, credit, market trends) based on customer profile and financial plan, and matching customer needs with appropriate products and services. Monitors customer information/products, financial plan and market trends to identify new customer needs and opportunities to deliver further customer value
- Work with Manager to coordinate credit decision with Market President, Senior Credit Officer, Executive Credit Officer, Chief Credit Officer and Chief Operations Officer. Create/Prepare Commitment Letter with Management supervision
- Finalize any required conditions precedent as needed to ensure Loan Closing has all items needed
- Responsible for reviewing closing documents, communicating with clients and identifying portfolio weaknesses and trends and alerting management (Group Manager, Market President, Senior Credit Officer) to deteriorating portfolio conditions
- Ensures client adherence to covenants with review of calculations, key provisions, and recommendations according to policy
- Performs all other duties as assigned
Qualifications Include
- Bachelor (4-year college) degree
- 6-8 years of experience or an equivalent combination of education and experience
- Experience with Microsoft Outlook, Word, and Excel
About us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com.
Benefit Highlights
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More - FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
See all OPT Commercial Relationship Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Commercial Relationship Manager Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as a Commercial Relationship Manager
Target banks and financial institutions first
Large banks, credit unions, and regional financial institutions hire Commercial Relationship Managers regularly and have established visa sponsorship infrastructure. These employers are familiar with OPT timelines and H-1B visa processes, making them far more likely to support your work authorization.
Lead with your degree field, not just your title
Visa sponsorship for this role hinges on proving specialty occupation status. A finance, economics, or business degree strengthens that case significantly. When applying, make sure your resume clearly connects your academic background to the specific responsibilities of the role.
Apply at least four months before your OPT expires
H-1B petitions for October 1 start dates must be filed in April. If your OPT ends before October, you need cap-gap protection. Starting your job search early gives employers enough runway to begin the sponsorship process without pressure.
Ask about sponsorship before the final interview round
Bring up OPT and H-1B sponsorship after you have demonstrated value but before the offer stage. Framing it as a logistics question rather than a request keeps the conversation professional and avoids surprises for either side during negotiations.
Prioritize relationship-building experience in your application
Employers hiring for this role want evidence you can manage client portfolios and grow revenue. Internships, banking rotations, or client-facing project work should be front and center on your resume, as these directly address what hiring managers screen for.
Understand your OPT end date and cap-gap eligibility
If your employer files an H-1B petition before your OPT expires, cap-gap rules let you keep working through September 30. Knowing exactly when your authorization ends helps you and your employer coordinate the sponsorship timeline without a gap in employment.
Commercial Relationship Manager OPT: Frequently Asked Questions
Can I work as a Commercial Relationship Manager on OPT?
Yes. A Commercial Relationship Manager role typically qualifies as a specialty occupation because it requires at least a bachelor's degree in finance, business, economics, or a related field. As long as your degree aligns with the position's responsibilities, your OPT work authorization covers this role from day one.
Does a Commercial Relationship Manager job qualify for H-1B sponsorship?
Most do. USCIS evaluates whether the role requires a specific bachelor's degree or higher, and Commercial Relationship Manager positions at banks and financial institutions consistently meet that standard. Employers with existing H-1B sponsorship programs are your best bet. You can browse employers actively hiring OPT candidates on Migrate Mate.
Is this role eligible for a STEM OPT extension?
Only if your degree is in a STEM-designated field. Commercial Relationship Manager roles themselves are not inherently STEM positions, so the extension depends entirely on your academic background. Finance and economics degrees are not always STEM-designated. Check the official DHS STEM OPT designated degree program list to confirm whether your specific degree qualifies.
What happens to my work authorization if my employer files an H-1B petition before my OPT expires?
Your work authorization is automatically extended through September 30 of that year under cap-gap rules, as long as your OPT was valid when the H-1B petition was filed and you maintain your F-1 status. This prevents a gap between your OPT end date and the H-1B start date of October 1.
What types of employers hire Commercial Relationship Managers and sponsor OPT workers?
Regional banks, national commercial banks, credit unions, and financial services firms are the most consistent hirers for this role. Larger institutions tend to have dedicated immigration support and are more accustomed to sponsoring OPT and H-1B candidates. Smaller community banks may be open to sponsorship but often lack prior experience navigating the process.