Commercial Banker

New Business Development

Participate in the Bank's business development activities through individual and joint sales call efforts, represent the Bank in community organizations, local business groups, etc., and promote the Bank's favorable image.

Establish and maintain positive working relationships with businesses and other organizations to provide information regarding the lending programs with the bank.

Seek and grow new business by presenting, selling and cross-selling bank products that match the customer's needs and follow up timely to properly ensure quality service.

Provide referrals to various departments; Treasury Management, Mortgage, Retail, and Wealth Management. A basic understanding of these services is needed to refer effectively.

Cook up the processing of client's personal banking needs, with the help of our Home Mortgage, Wealth Management, or Retail Bankers, and serve as the relationship manager for our commercial and professional customers.

Participate in bank sponsored events, networking with guests to develop a personal knowledge of who they are.

Provide leadership for several bank sponsored events each year.

Loan Origination and Portfolio Management

Originate loans within bank policy to attain growth goals.

Interview applicants and requests specified information for loan application; requests appraisals, financials, applicant credit reports, and other information pertinent to evaluation of loan application; analyzes applicant financial status, credit, and collateral to determine feasibility of granting loan; and corresponds with or interviews applicant or creditors to resolve questions regarding application information.

Makes sure to meet and maintain portfolio profitability goals.

Compiles loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to loan committee for approval; ensures loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.

Utilizes government programs when deemed necessary to meet customer's credit needs.

Participates in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.

Maintains portfolio credit quality goals.

Maintains complete and accurate file documentation.

Make decisions on loans and terms withing lending limits or makes recommendations to the Senior Loan Committee.

Remain knowledgeable of new regulations, policies, procedures, and economic trends.