Commercial Banker
United Bank · Greenville, NC · 1 wk ago
FinanceFull-time
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 of five (5) years of direct lending experience 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.
- Maintain a deep understanding of banking products/services to make appropriate recommendations.
- Minimal travel within the assigned market is required.
Skills/Qualifications
- Relationship Building
- Sales Driven
- Self-Motivated
- High Business Acumen
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.