Commercial Banker

Position Summary

The Commercial Banker position is focused on acquiring, growing, and retaining commercial banking clients through focused relationship planning. The role concentrates on C&I and CRE relationships. Key measurements of success are new loan and deposit production, fee income, overall relationship profitability, portfolio management and referrals to other lines of business.

Essential Functions

• Maintain a strategic focus on commercial client activity through relational selling as a trusted advisor to assist the client in recognizing opportunities and risks while helping them accomplish their goals through their use of bank products and services.
• Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability.
• Reviews and analyzes complex financial information to determine a borrower’s credit worthiness.
• Presents recommendations to credit risk by demonstrating a thorough understanding of credits presented.
• Responsible for the profitability of all commercial relationships within the portfolio.
• Responsible for ultimate portfolio management which may include borrowing base and/or construction draw processes, loan repayment activities, collection of past due accounts, and credit and collateral deficiencies.
• Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• Actively cross-sell other bank products to include deposits products and treasury management services to build profitable client relationships.
• Remain active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation and brand of the Bank.
• Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.

Critical Success Factors

• Self-Motivated and Team Player
• Responsiveness
• Detail-Oriented with Ability to Multi-Task
• Strong Ethics
• Well-developed Interpersonal and Negotiating Skills
• Excellent Written and Oral Communication Skills

Pay and Schedule

Pay is commensurate to experience. This position requires full-time hours Monday through Friday. This position is in-office only and is not remote or hybrid.

Benefits

• 401(k) 401(k) Company Match
• AD&D insurance
• Dental Insurance
• Disability Insurance
• Employee Assistance Program
• Flexible Spending Account
• Medical Insurance
• Health Savings Account
• Life Insurance (Dependents & Spouse)
• Paid Family Medical Leave
• Paid Federal Holidays
• Paid Time Off
• Referral program
• Vision Insurance