Commercial Banker II/ Relationship Manager
Posted Jul 23, 2026 · We last checked this listing on Oct 6, 2026
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.
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Practice this out loudThe full job description
As published by Wintrust.