Commercial Banking Associate

At Cypress Bank & Trust, The Cypress Way guides everything we do, from how we serve our clients to how we support one another. As a growing boutique bank serving high-net-worth individuals, families, and businesses, we offer a collaborative culture, opportunities for professional growth, and the chance to make a meaningful impact. We believe exceptional results start with exceptional people, and our culture is built on integrity, independent thinking, teamwork, and a commitment to excellence. Recently recognized as the #1 Medium-Sized Best Places to Work, we’re looking for talented individuals to join our high-performing team.

About the role

As a Commercial Banker, you will be responsible for prudent revenue generation through the development of profitable loan and deposit relationships with companies and their owners in the bank’s target market. You will focus on businesses with revenue of $1MM or more, driving new business acquisition and maintaining key relationships while ensuring risk mitigation and exceptional client service.

Responsibilities

• Lead local business development activities to promote the Bank’s products and services, maintain the Bank’s favorable image, and develop full banking relationships with present and potential commercial banking clients.
• Identify and originate new commercial and personal relationships while managing and maintaining key relationships in the market.
• Manage assigned goals for loans, deposits, and business lines.
• Cross-sell related banking services, including Treasury Management, deposit products, and referrals to Professional Banking partners.
• Represent the Bank in industry and professional associations, community organizations, and local business groups to promote its favorable image and stay current on market trends.
• Develop and analyze financial information (balance sheets, income statements, cash flow statements, tax returns) to assess creditworthiness and determine appropriate risk ratings.
• Prepare written credit memorandums for presentation and approval.
• Gather personal and business information to make informed decisions regarding creditworthiness and repayment probability.
• Manage the Annual Review process of existing client credit exposure with Commercial Support Specialist partners to ensure timely receipt of financial information.
• Utilize the Bank’s internal CRM systems and tools to manage client portfolios, prospect processes, and calling goals.
• Maintain credit quality of the assigned portfolio through collaboration with credit partners and monitor the loan portfolio regularly.
• Proactively manage past dues, maintain acceptable risk tolerance, and address problem loan situations.
• Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations, including proper customer identification, initiating CTRs/SARs, and utilizing OFAC records.
• Adhere to Bank policies, procedures, and all Federal and State laws and regulations.
• Perform all other assigned duties.

Requirements

• College degree or equivalent, preferably in Business Administration, Finance, or Marketing.
• Minimum of 5 years of prior work experience in loan production for commercial and real estate lending, loan portfolio administration, and product sales.
• Experience managing a portfolio of commercial clients in excess of $2MM.
• Advanced skills with Microsoft Office suite (Excel, Word, Outlook).

Preferred Qualifications

• Expertise in commercial and real estate underwriting practices and regulatory governance of commercial lending activities.
• Five to ten years of experience in credit analysis and/or commercial lending.

Benefits

• Health insurance (employer-paid coverage for employee, eligible the first month after hire).
• Dental and vision insurance.
• Company-paid life insurance.
• Voluntary additional life insurance.
• Short-term and long-term disability.
• LifeLock identity protection.
• 401K retirement plan.
• Generous PTO schedule in addition to bank holidays.

Why Work Here?

• Financially strong and growing company.
• Opportunities for personal and professional growth.
• Great company culture rooted in integrity, teamwork, and excellence.