Commercial Banker

Essential Duties And Responsibilities

• Interview loan applicants and request required information for determining a credit decision.
• Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.
• Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.
• Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.
• Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.
• Assume ownership of customer problems to achieve resolution.
• Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
• Absorb and actively participate in sales management and officer call programs.
• Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.
• Support the Bank’s CRA Officer by reporting CRA data.
• Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

Qualifications

• Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Basic problem-solving and analytical skills.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Proficiency in using personal computers and office products (e.g., Word, Excel).
• Ability to underwrite and properly package a loan.