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Commercial Banker II/ Relationship Manager

Wintrust · Rosemont, IL · $98,000–$132,000 a year · Full time

Posted Jul 23, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Walk me through how you'd find and win a middle-market company that's banked with a big national bank for twenty years.

What they are checking: Whether they have a patient, specific plan to unseat an incumbent rather than relying on rate alone.

Tell me about a relationship you grew significantly over a few years. What did you do to grow it?

What they are checking: Whether they deepen accounts through steady service and cross-selling, not just bring in new names.

How do you balance prospecting time against servicing your existing portfolio?

What they are checking: Whether they have a disciplined weekly rhythm that keeps both new business and current clients healthy.

Tell me about a deal you chose not to pursue. Why?

What they are checking: Whether they have sound credit judgment and can walk away from volume that would hurt the bank.

What does the community bank model mean to you compared with a large bank, when you're selling to a business owner?

What they are checking: Whether they can make a credible case for local decision making and access without overpromising.

What would you do

A good client's covenant compliance certificate shows a breach. What do you do?

What they are checking: Whether they handle covenant issues promptly and openly with credit and the client rather than burying the problem.

A competitor offers your client a much lower rate. How do you respond?

What they are checking: Whether they can defend value and know when to match, walk away, or restructure rather than reflexively cut price.

How do you work with treasury management, credit and portfolio managers to deliver for one client?

What they are checking: Whether they can coordinate internal partners so the client experiences one bank rather than separate departments.

About the work

How do you increase a commercial relationship's profitability to the bank beyond the loan itself?

What they are checking: Whether they think about deposits, treasury management and fee income as the real drivers of a profitable relationship.

What do you look at first in a company's financials when you're deciding whether to pursue a credit request?

What they are checking: Whether they can read cash flow, leverage and working capital trends well enough to pre-screen deals.

How do you structure a working capital line for a business with seasonal swings?

What they are checking: Whether they understand borrowing bases, cleanup periods and matching structure to how the business actually runs.

Practice this interview out loud.

Offer builds a real interview for this exact role at Wintrust from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

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The full job description

As published by Wintrust.

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.” Why join us? • An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 12 years) and Employee Recommended award by the Globe & Mail (past 6 years) • Competitive pay and annual discretionary bonus eligible • Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few • Family-friendly work hours • Promote from within culture What You’ll Do • Increase the Bank’s profitability by cultivating new commercial business relationships • Nurture existing client relationships by assessing and meeting client’s business and personal needs • Negotiate proper loan structure and effectively cross sell products • Maintain properly documented files and manage renewals and collection efforts on past dues and defaulted loans • Sustain comprehensive understanding of current commercial products offered in the market and keep informed of all relevant industry trends and practices • Build and maintain a professional network of COI’s and referral sources to facilitate new business development opportunities • Maintain a stable network of prospective customers with consistent approach to calling Qualifications • Bachelor's degree in business, finance, economics, or accounting • Solid understanding of general credit and risk principles, mitigates, and banking policies/procedures; formal bank credit training is preferred • 5+ years’ Commercial Lending experience with a focus on C&I • Exceptional verbal and written communications skills • Strong interpersonal skills with a proven ability establishing client relationships and working within a team environment • Excellent organizational skills with the ability to proactively manage and prioritize workflow Benefits: Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance Compensation: The estimated annual salary range for this role is $98,000-$132,000, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills, and experience. From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.

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