Commercial Banker - Brevard County, FL

About the Role

The focus of a Commercial Banker is to set up a business development strategy and execute sales production efforts to acquire new commercial business within the market area. This position involves making sales calls and visits to business customers, high net worth individuals, and prospects to understand client needs, customize solutions, and meet loan, deposit, and service needs. The role requires collaboration with multiple bank groups, including Treasury Management, Wealth Management, and Consumer Banking, as well as internal support functions.

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 identify products and services that enhance customer relationships with the bank.
• Sets business development strategy for the 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.
• Coordinates portfolio management functions collaborating with a team, which may include Credit Analysts and Commercial Banking Assistants.
• 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.
• Oversees ongoing quality control for a portfolio by executing proper documentation, compliance, and collection efforts.
• Maintains knowledge of banking products, programs, services, and promotions.
• Responsible for the achievement of market objectives as set by Bank leadership.
• 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.
• Adheres to Seacoast Bank’s Code of Conduct.

Requirements

• Five 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.
• Ability to meet and exceed established targets.
• Demonstrated record of relationship building with business, civic, and governmental organizations.
• Currently established within the micro-community, where reputation and followership are in place.
• Flexibility around work hours and availability at times convenient to the client.