Commercial Banker

About the role

The Commercial Banker II is responsible for developing and acquiring new, profitable relationships while maintaining and expanding existing ones. This role plays a critical part in evaluating, negotiating, and monitoring credit opportunities to maximize the bank's earnings.

Responsibilities

• Drive significant revenue and profit growth within the Commercial Banking line of business by acquiring new relationships and expanding existing ones through loans, deposits, treasury services, and other approved bank products.
• Ensure adherence to all lending policies, procedures, and applicable laws, maintaining efficient and effective commercial loan operations.
• Cultivate new loan relationships through Business Development by Design & CRM, including client calls, visits, and active community involvement.
• Refer prospects to appropriate lines of business such as Private Banking, Wealth Management, and Treasury Management.
• Conduct comprehensive analysis, approval, or referral of commercial loans by: interviewing applicants to gather financial and credit information; ensuring thorough analysis of financial, industry, and management data; structuring credit terms according to bank lending policies; preparing, presenting, and recommending loan requests within the established credit approval process; overseeing the preparation and review of proper loan documentation.
• Maintain and deepen existing customer relationships by: conducting periodic client meetings to identify new banking needs and assess financial trends; cross-selling new and existing bank products and services; evaluating and structuring credit requests in line with lending policies; managing overdrafts, past due payments, collateral, and credit exceptions.
• Actively participate in high-profile community organizations and represent the bank in various marketing programs and community projects.
• Attend Senior Officers' Loan Committee Meetings as a non-voting member and other necessary meetings, including the Director’s Loan Committee.
• Engage in the management and monitoring of nonperforming loans to mitigate potential bank losses.
• Serve as the relationship manager, responsible for: establishing and maintaining primary relationships with key clients; proactively providing a full range of financial services with the support of internal partners; building client loyalty and driving revenue growth through strategic relationship management practices.
• Demonstrate leadership and team-building skills, fostering a collaborative environment that supports the bank’s goals.
• Commit to ongoing professional development, particularly in the areas of credit analysis, financial services, and client relationship management.
• Assume additional responsibilities as directed by management.

Requirements

• Minimum of 3+ years of commercial lending experience with a strong emphasis on relationship management and business development.
• Demonstrated proficiency in credit analysis and underwriting.
• Bachelor’s degree from an accredited university, preferably in finance, business administration, or a related field.
• Formal credit analysis training is required.

Qualifications

• Proven experience in commercial lending with a deep understanding of credit analysis, loan structuring, and risk management.
• Strong track record of successful business development and client acquisition.
• Exceptional relationship management skills, with the ability to build and maintain long-term client relationships.
• Expertise in financial statement analysis and the ability to assess business viability.
• Comprehensive understanding of financial services regulations, operational procedures, and compliance standards.
• Excellent oral and written communication skills, with the ability to convey complex financial concepts clearly.
• Strong analytical and problem-solving skills, with a strategic approach to client needs and bank profitability.
• Ability to work effectively within a team, leveraging internal resources to meet client needs.
• Proficiency in Microsoft Office applications (Word, Excel, PowerPoint) and CRM platforms.
• Active participation in community organizations, with a commitment to enhancing the bank’s presence and reputation.

Skills

• Proven experience in commercial lending with a deep understanding of credit analysis, loan structuring, and risk management.
• Strong track record of successful business development and client acquisition.
• Exceptional relationship management skills, with the ability to build and maintain long-term client relationships.
• Expertise in financial statement analysis and the ability to assess business viability.
• Comprehensive understanding of financial services regulations, operational procedures, and compliance standards.
• Excellent oral and written communication skills, with the ability to convey complex financial concepts clearly.
• Strong analytical and problem-solving skills, with a strategic approach to client needs and bank profitability.
• Ability to work effectively within a team, leveraging internal resources to meet client needs.
• Proficiency in Microsoft Office applications (Word, Excel, PowerPoint) and CRM platforms.
• Active participation in community organizations, with a commitment to enhancing the bank’s presence and reputation.