Commercial Banker II

About the role

Under minimal direction, generates loans, deposits, fee income, and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses, and professionals.

Responsibilities

• Calls on existing and potential customers to develop new business and/or expand and retain current business.
• Solicits total banking relationships by working with all lines of business partners to demonstrate the full scope of bank products and services.
• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Works closely with Credit partners in the administration of new and existing loan relationships.
• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority.
• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends.
• Studies industrial, commercial, and financial situations relating to new or existing businesses.
• Serves as a trusted advisor to customers.
• Assists other Commercial Bankers as needed.
• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loans.
• Represents the Bank in business development efforts and civic and community functions.
• Reviews outstanding loan portfolio on a timely basis to ensure all modifications, collection of past dues, and other portfolio responsibilities are handled accurately.
• Monitors loan payments and coordinates collection activities for all past-due loans.
• Serves in other capacities as requested.

Requirements

• Bachelor's degree in Business or related field or equivalent in education and experience.
• Prior banking experience in commercial lending.

Skills

• Knowledge of lending regulations, compliance procedures, and credit analysis.
• Strong sales, written and oral communications, and interpersonal skills.
• Proficiency in Windows-based PC systems and banking software.
• Excellent customer service skills.
• Detail-oriented with the ability to excel in a high-volume environment.
• Ability to perform effectively in a fast-paced environment.
• Knowledge of Microsoft Office, especially Word, Excel, and Outlook.

Physical and Mental Qualifications

• Standing, walking, bending, and stooping required.
• Must be able to sit at a desk for long periods and use a computer.
• Must be able to occasionally move or lift up to 10 pounds.
• May be asked to work supplemental hours periodically.
• Limited travel required occasionally during and after business hours.

Pay

$90,135 - $156,800 annually.

Benefits

• Medical, dental, and vision insurance.
• Life insurance and disability coverage.
• Other voluntary benefits.
• 401(k) retirement plan.
• Paid time off and paid holidays.