Commercial Banker

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
• Demonstrates effective sales strategies to attract, expand and retain customer relationships.
• Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• Thoroughly collects and analyzes customer and prospect financials to assess viability.
• Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
• Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
• Collaborates through a team which may include Credit Analysts and Commercial Banking Assistants to coordinate portfolio management functions.
• Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
• Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
• Executes proper documentation, compliance and collection efforts to oversee ongoing quality control for a portfolio.
• Maintains knowledge of banking products, programs, services and promotions.
• Uses Customer Relationship Management systems to track sales efforts and prospects.
• Ensures compliance with internal controls, operational procedures and risk management policies.
• Represents the Bank in business development efforts and at networking and community functions.
• Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
• Ensures adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Adhere to Seacoast Bank’s Code of Conduct.

EDUCATION AND/OR EXPERIENCE

• 2 or more years of proven success in Commercial Banking.
• 4-year college degree, BA in Business Administration, Economics, Finance or related major, required.
• Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
• Demonstrated record of relationship building with business, civic and governmental organizations.
• Currently established within the micro-community, where reputation and followership is in place.
• Flexibility around work hours and be available at times convenient to the client.