Pros
Opportunities to learn Commercial Lending from in-house Relationship managers.
Kontras
Pay is low compared to other regional banks and didn't match up with the cost of living in area I was in. My pay only grew by $2.00 in 4 years even after promotion to the CBR II and CBR III roles. CBR's are often held in that position for longer periods and usually are looked over for promotion into Relationship Manager roles. Coming from the Retail side of the bank, there was little training in place and it made for a difficult transition. There are often long periods of little to no work depending on the pipeline for your market. The structure of FIB forces CBRs to be dependent on far too many other departments to successfully complete a loan request. Having to depend on credit analyst, loan boarding/funding team, loan closers and Collateral department makes things very difficult and cause delays in completion of a loan.