Commercial Banker III

New Business

• Develop new business opportunities through business development efforts, including new client solicitation, active involvement in industry organizations, and expansion of existing client base.
• Underwrite loans by analyzing financial information and related reports and prepare and present credit approval memorandums.
• Document loans by ordering appraisals and environmental reports, issuing commitment letters, coordinating closings, and overseeing the loan booking.
• Increase deposits from clients and generate non-interest fee income through the appropriate recommendation of interest risk hedging products, loan participation sales, and referrals to partner organizations.

Portfolio Management

• Monitor the ongoing credit quality of the assigned loan portfolio.
• Absess the credit quality of each relationship in accordance with policy, including the completion of annual credit reviews and periodic renewals throughout the year.
• Accurately enter information to track/monitor the status of the portfolio.

Job Specifications

• Bachelor’s degree or equivalent
• Minimum of 10 years of commercial lending and underwriting/portfolio management experience
• Understand the commercial marketplace within the Bank’s target area
• Be well-versed with the Bank’s credit policy and guidelines
• Familiarity with other products and services offered by the Bank, for cross-selling purposes
• Effective communication skills in both oral and written capacities
• Willingness to assume additional duties as may be required