Commercial Lender (Colorado)

PRIMARY DUTIES/RESPONSIBILITIES

• Gains complete knowledge of business and personal financial needs of 100% of assigned Commercial clients.
• Counsels 5-10 client/prospect 'outside' visits per week.
• Builds knowledge of all clients and prospects by completing in-depth profiling of Commercial business owners and other principals.
• Understands the needs of their customers, recommends the appropriate product, service or solution.
• Works closely with all areas of the Bank and other partners (including Retail, Professional and Executive Relationship Managers, InvesTrust, First Fidelity Financial Services, etc.) to ensure that all Commercial clients (and Business owner(s)) needs as well as cross-sell opportunities are identified and met.
• Works closely with the Treasury Services Manager to ensure that Commercial customers/prospects needs are properly matched with the appropriate depository, cash management, and investment needs.
• Ensures customer service needs of the Commercial customer are met by handling requests directly and/or by referring to the appropriate channel to best meet the customer’s needs.
• Proactively solicits new business relationships through aggressive calling efforts on prospects developed through referrals from existing customers, cultivation of key referral sources and prospect lists.
• Collects and analyzes financial and related data to determine the general creditworthiness of Commercial customer/prospects and the merits of specific credit requests.
• Develop information for and make loan presentations to appropriate loan committees when required.
• Establishes and negotiates, when necessary, the terms under which credit will be extended.
• Maintains and monitors loan repayment activities and takes necessary action to collect from past due accounts.
• Participates in community affairs to increase bank's visibility and enhance new business opportunities.
• Supervises and directs Portfolio Manager(s).
• Promotes a positive spirit by contributing to balancing team and individual responsibilities.

QUALIFICATIONS

• A minimum of three years of relationship management experience required (preferably with commercial or small businesses customers).
• A minimum of five years of credit experience as gained through credit analyst, loan portfolio management, loan review, or equivalent positions, with proven ability to understand and analyze financial statements, tax returns and other financial documents and to make sound credit decisions.
• A minimum of three years of banking experience with a general knowledge of bank operations and specific knowledge of Treasury Management, depository and other products typically utilized by a commercial customer.
• A bachelor’s degree.
• Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression.
• Must be driven, accountable, hardworking, goals-oriented and a self-starter.
• Strong business development and people skills to market the bank and oneself in all situations, whether during or after business hours.
• The ability to identify banking opportunities, and if necessary, refer the client to the appropriate person.
• Excellent time management and organizational skills and the ability to work independently with little supervision.
• The ability to make sound decisions of all types, with little hesitation and after thorough consideration of relevant data.
• The ability to interpret financial information and data, evaluate character and capabilities of the client, and determine the value of collateral offered.