Commercial Banker - Kirksville, MO

Location: Kirksville, MO (On-Site) | Job Type: Full-Time/Salary

About the Role

Jump start your career at Equity Bank! We are currently hiring energetic, team-oriented, and community-focused individuals to join our team. With a team of best-in-class customer service experts, you'll help build and expand client relationships, deliver banking products and services that meet the unique needs of clients, and create an atmosphere of superior experience and service. At Equity Bank, we’ll help you invest in your community through volunteer opportunities aligned with our company initiatives and core values.

Responsibilities

• Customer Service
  • Manage and service commercial customer relationships as assigned
  • Enhance client relationships through regular contact, providing a high level of customer service and demonstrating an understanding of their business and risk profile
  • Retain clients with acceptable risk profiles
  • Demonstrate understanding, concurrence, and commitment to bank policies and procedures when managing client relationships
• Productivity
  • Meet or exceed loan, fee income, and deposit growth goals as agreed and assigned annually
  • Monitor market conditions and competitor impacts to maintain competitive and profitable relationships
  • Develop and maintain comprehensive knowledge of all commercial products, including loans, treasury management, trade service products, and deposits to facilitate cross-selling and enhance the client experience
  • Demonstrate a strong understanding and working knowledge of loan documentation to mitigate risk to the bank
  • Maintain and monitor an annual personal plan for growth goals and objectives
  • Maintain an active calling program for new business development, including proper planning
• Profitability
  • Demonstrate effective behavior in maximizing customer profitability to meet EPS hurdles as defined by the bank annually
  • Meet or exceed financial goals set by the bank annually, optimizing loan pricing, fee income, and deposit rates
  • Be action-oriented, driving to deliver results that meet or exceed financial goals set for the individual and the bank
• Credit Quality/Credit Administration
  • Maintain acceptable levels of delinquencies/past dues, non-performing loans, and criticized/classified assets as defined by the bank annually
  • Demonstrate strong credit skills in analyzing credit risk within the underwriting process
  • Gather complete and adequate facts/information to understand and assess risk while meeting deadlines
  • Communicate potential credit downgrades in a timely and effective manner
  • Maintain credit and documentation exceptions within acceptable standards as defined by the bank annually
• Quality of Work
  • Demonstrate consistent quality of work product within the context of ongoing credit analysis and risk management
  • Exhibit solid time management skills, organization, planning, and priority setting in carrying out day-to-day responsibilities for customer management and business development
  • Demonstrate sound business acumen and technical knowledge for underwriting and ongoing risk management
  • Exhibit strong problem-solving skills by providing effective solutions; look beyond the obvious
• Interpersonal Skills/Cooperation
  • Exhibit strong interpersonal skills, including a cooperative spirit, positive attitude in all relationships with co-workers, managers, and subordinates
  • Contribute to a professional working environment with respect to individual roles and responsibilities
  • Communicate problems and concerns in a respectful and constructive way
  • Demonstrate respect and observe rules, acting in an ethical manner
  • Build rapport with customers through approachability and dedication to meeting their expectations and requirements
• Perform other duties as assigned or required

Requirements

• Bachelor’s Degree in finance, accounting, or business administration
• 1-3 years of banking experience
• Excellent interpersonal skills and professional manner
• Previous commercial lending experience
• Computer skills, especially the ability to work in Windows-based systems
• Maintain a working understanding of and comply with banking regulations, bank policies, and procedures

Preferred Qualifications

• Bachelor’s Degree (equivalent experience may apply)
• 3-5 years of supervisory experience

About Us

Equity Bank, a full-service, $7.9 billion community bank, is based in Wichita, Kansas, with over 80 bank offices throughout Kansas, Nebraska, Missouri, Arkansas, and Oklahoma. At Equity Bank, you can find exciting opportunities to challenge you, expand your skills, and reward your contributions. Our employees receive competitive compensation and benefits while working in an atmosphere that encourages personal and professional growth. We’re searching for motivated individuals who are passionate about serving others, learning new technologies, and working as part of a team.

Equity Bank offers a full range of financial solutions, including online and mobile banking, commercial loans, consumer banking, mortgage loans, treasury management services, and absolutely zero ATM fees anywhere.

Benefits

• Health, Dental & Vision Insurance
• Group Life & Long-Term Disability Insurance
• Flexible Spending & Health Savings Accounts
• Group Cancer Insurance
• 401(K) Retirement Plan with Company Match
• Generous Vacation & Sick Time
• Employee Stock Purchase Plan (ESPP)
• Pet Insurance
• Retail Banking Benefits

Physical Requirements

This position requires standing, walking, bending, and squatting on a regular basis. May require the ability to stoop, kneel, crouch, or reach with hands and arms. Requires the ability to carry, lift, move, or push up to 25 pounds on an occasional basis. Must be able to talk and listen to others.

Work Environment

This position regularly works in an office setting. Most job duties require working with computers and electronic media on a regular basis.