Commercial Banker

Job Summary

The Commercial Banker's primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank's lending policies and procedures. A Commercial Banker's main focus is on loan amounts of less than $1 million.

Responsibilities

• Analyze markets to develop new prospects for loans.
• Maintain and develop positive, professional relationships with customers and continue communication for growth of portfolio.
• Foster customer relationships through routine calls and meeting activity and develops new Commercial Banking relationship opportunities through business development activities.
• Analyze applicant's financial status, credit and property evaluation to determine feasibility of loan request.
• Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.
• Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
• Ensures loan closing and funding activities occur timely.
• Identify complex situations, review related information to evaluate and develop an acceptable solution.
• Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank's policies.
• Actively participates in the Community by attending events and being active in organizations to promote the Bank's business products and services and build relationships.
• Maintain a deep understanding of banking products/services to make appropriate recommendations.
• Administer all referrals and direct meetings and business development opportunities.
• Ensure compliance to all standards and policies and ensure secure transaction for customers.
• Exercises advanced proficiency with routine client maintenance requests, problem resolution and advanced sales functions regarding deposit, credit, convenience and other product and service lines.

Qualifications

• Bachelor's degree preferred, with a focus in business, finance, or another related field
• Minimum two (2) years of related Banking experience, preferably as a Commercial Lender or Portfolio Manager, is required.
• Demonstrated ability of holding effective and successful business relationships is essential
• Must have formal credit analysis training or sufficient lending experience
• Proficiency in Microsoft Office Products is required
• Demonstrated ability to grow and management customer relationships
• Ability to organize and analyze complex financial data
• Knowledge and understanding of all federal and state regulations regarding lending and related departments.
• Excellent analytical and mathematical skills and ability to make a credit decision
• Excellent verbal and written communication skills
• Demonstrated high level of professionalism and maturity
• Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development.
• Minimal travel within the assigned market is required.

Key Competencies

• Relationship Building
• Sales Driven
• Self-Motivated
• High Business Acumen

Essential Functions

• Sitting or standing for extended periods of time.
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.