Commercial Banker - West Newberry

Monday - Friday, 40 hours

About the role

Makes and services a wide variety of secured and unsecured commercial loans, most of which involve large amounts of money and high-end clients. Sells and services existing and prospective commercial client relationships. Handles the personal banking needs for business clients as required. Calls on potential or existing customers to develop new business and increase or retain existing business. In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Responsibilities

• Interviews applicants to develop information concerning their business needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Analyzes credit applications to determine credit worthiness by examining credit reports, verifying pay, and determining debt-to-asset ratio.
• Makes sound underwriting and loan decisions within established lending limits.
• Negotiates credit terms, such as costs, loan repayment methods, and collateral specifications. Makes recommendations to Credit Committee.
• Gives financial advice and counsel to clients and prospective clients within the parameters of a banking relationship.
• Delivers other Bank products by referral to appropriate partners including CCHL Residential Mortgage, Capital City Bank Investments, Capital City Bank Trust, Treasury Management, etc., and adheres to all stated annual goals.
• Organizes tracking of loan status and follows current loans to ensure complete compliance with terms.
• Collects on past-due loan payments.
• Manages one administrative assistant. Conducts annual performance evaluations and makes salary recommendations.
• Studies industrial, commercial, and financial situations relating to new or existing businesses.
• Provides additional support to manager and department colleagues.
• Completes all assigned/required Bank training within established timelines.
• Understands and adheres to the non-negotiable Banker Standards and commits to practicing SGNNT (smile, greet, name, name, thank you) at all times.
• Consistently follows policies and procedures as established by Capital City Bank, Capital City Wealth, and Capital City Home Loans.

Requirements

• Bachelor’s Degree in Finance, Business, Accounting, or related field from an accredited college required. Relevant experience may substitute for the education requirement.
• Minimum of five to seven years related business lending and underwriting experience.
• Relies on experience and judgment to plan and accomplish goals.
• Excellent communication and sales skills.
• Background in bank lending policies and procedures.
• High degree of personal integrity.
• Ongoing sales and product knowledge training is expected.

Working Conditions

• Office environment.
• Makes personal business calls to clients and prospects.
• Some limited travel may be required.
• After-hours and civic involvement will be required.
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during, or after, to ensure business continuity.

Benefits

• Medical, Dental, and Vision
• Life Insurance
• 401(k) with Matching
• Flexible Spending Accounts
• Tuition Assistance
• Stock Purchase
• Discounts on Products and Services