Commercial Banking Officer

Responsibilities

• Marks appropriate and profitable credit and non-credit products and services to existing and prospective bank clients;
• Maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects;
• Builds relationships with existing referral sources and cultivates new referral sources both internally and externally;
• Develops and executes a client relationship strategy plan to achieve win/win solutions for bank and client;
• Regularly assesses and evaluates company management, its business operations and industry;
• Completes / updates the Client Information Sheet;
• Negotiates and provides needs-based solutions of credit and non-credit products & services to existing & prospective clients;
• Regularly calls on clients and records in written memorandum to the credit file the results of the call;
• Provides the Commercial Credit Group with current and forward looking information to facilitate the completion of the Credit Write-up, quarterly Asset Quality Report, and annual reviews for stand-alone term loans or multi-year facilities;
• Prepares formal written request for credit assistance in a timely manner in order to renew, cancel or restructure credit facilities;
• Prepares and updates the Client Information Sheet as needed;
• Prepares Risk Adjusted Return On Capital (RAROC) worksheet as needed;
• Works in concert with the Commercial Credit Group as to type, amount, term & structure of credit that is appropriate to the client’s borrowing needs and financial capacity;
• Ensures that Borrower and Transaction Risk Ratings are accurate at all times, and promptly changes risk rating to reflect changed conditions;
• Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtains client signatures;
• Performs all other miscellaneous responsibilities and duties as assigned.

Qualifications

• Bachelor’s degree preferably in business or related area from an accredited institution, or equivalent work experience;
• Commercial lending experience, preferred (see attached for years needed): Commercial credit experience as an Underwriter;
• Loan work out training and/or experience helpful;
• Relevant product and service knowledge;
• Sales or marketing experience with corporate/business relationship management experience;
• Must have a thorough understanding of all aspects for financial statements and their analysis including cash flow lending;
• Demonstrated proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software;
• Knowledge of or ability to use Bank software and systems;
• Well-developed analytical and problem solving skills;
• Excellent writing, speaking, and presentation skills;
• Must have the ability to express complex ideas in concise and simple terms;
• Possesses appropriate understanding of financial statements and their analysis, including cash flow lending;
• Able to make critical decisions independently;
• Possesses strong networking and business development skills;
• Holds solid product knowledge and business acumen;
• Able to build strong working relationships and partnerships across the organization with a collaborative and consultative approach;
• Is a team player;
• Able to work flexible hours including holidays, weekends and evenings as needed or assigned;
• Must be able to provide own transportation or to operate a vehicle with a valid driver’s license and commute as required;
• Travels by air as required.