Commercial Banker

About the role

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.

We continually seek highly motivated and talented individuals as our people are critical to our success. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.

Responsibilities

• Generate new loan and deposit business according to assigned sales goals by initiating and developing relationships with businesses, industries, developers, and consumers.
• Maintain acceptable credit quality and appropriate loan pricing.
• Manage and expand individual portfolio and client relationships, including partner referrals.
• Achieve sales targets through proactive activities and consultative selling, including pre-call planning, establishing rapport, interviewing for needs, explaining features and benefits, overcoming objections, and closing sales.
• Leverage centers of influence to build a network and create a pipeline of business.
• Evaluate loan requests for proper purpose, structure, and pricing, ensuring they meet current loan standards.
• Partner with support staff to ensure the loan origination process meets bank and client expectations.
• Seek guidance and insight from other lenders and executives to deliver optimal loan terms for both the bank and client.
• Manage a portfolio of customers professionally, ensuring relationships are maintained and monitoring meets current loan standards.
• Strengthen existing client relationships and foster new ones to meet or exceed average portfolio targets.
• Manage delinquencies and ensure classified credits are recognized timely and referred promptly to Special Assets.

Key Accountabilities

• Achieve Sales Targets: Align client and bank objectives, orchestrate organizational resources, and use a consultative selling approach to meet personal sales goals.
• Loan Originations: Evaluate loan requests for structure and pricing, partner with support staff, and seek guidance to deliver the best loan terms.
• Portfolio Management: Maintain and monitor a portfolio to meet loan standards, strengthen client relationships, and manage delinquencies.

Key Competencies

• Strategy in Action: Break down larger goals, anticipate risks, identify improvement opportunities, and align activities with organizational goals.
• Compelling Communication: Tailor communication to engage audiences, unite teams toward common goals, and actively listen to gain support.
• Makes Decisions & Solves Problems: Take ownership of problems, collaborate on resolutions, evaluate implications, and act based on available facts.
• Delights Clients: Serve clients with excellence, maintain a growth mindset, understand data/metrics, and nurture relationships to meet client needs and mitigate risk.

Requirements

• Bachelor’s degree or equivalent work experience.
• Minimum 5 years of relevant commercial banking experience.
• Ability to orchestrate organizational resources and build collaborative, client-focused relationships.
• Thorough knowledge of Loan Standards, Loan Review Administration, and Banking/OCC Procedures.
• Proven track record of successful sales performance with strong business development skills.
• High level of written and verbal communication, sales, negotiation, and financial analysis skills.

Qualifications

Relationship Manager roles may vary between RM II, RM III, and RM IV. This position may be filled at a different level depending on the candidate’s qualifications and relevant experience. Factors include:

• Depth and breadth of prior commercial lending, business development, commercial credit, and portfolio management experience in Business Banking or middle market.
• Number of consistent years with a successful track record as a Relationship Manager (or similar role) at the Bank or another financial institution.
• Demonstrated ability to work through complex credits or unique situations.
• Well-connected in the market/region/industry, with influence in acquiring, deepening, and maintaining profitable client relationships.
• Prior experience coaching and mentoring peers, utilizing leadership skills.
• Agility and proficiency to adapt to changes in sales practices and broader market/industry conditions.

Key Measures of Success

• Achieve personal goals for new loan/deposit production and average portfolio target.
• Achieve personal goals for new fee production and average loan delinquency.

Pay

The salary range for this position is $99,000 - $199,000 per year. Final compensation will be determined by location, skills, experience, qualifications, and the career level at which the position is filled.

Benefits

• Competitive compensation with salary and incentive program.
• Medical, dental, and vision insurance.
• 401K retirement plan.
• Continuing education opportunities.
• Employee assistance program.
• Impact Network Groups led by team members to drive engagement, awareness of diverse backgrounds, and inclusion.