Community Banker II

About the role

The Community Banker II plays a crucial role in acquiring, growing, and retaining commercial, residential, and consumer loans. They also cross-sell the bank’s other business lines through a relational business development plan. Key measurements of success include net new loan and deposit growth, fee income, referrals to other lines of business, and portfolio management.

Responsibilities

• Sell prospects and customers through relational selling in a trusted advisor role.
• Establish and negotiate the terms under which commercial credit will be extended, including cost, risk, and profitability.
• Analyze financial information to determine a customer’s creditworthiness.
• Present recommendations to loan committees and exhibit a deep understanding of credits presented.
• Manage the profitability of all commercial relationships within the portfolio.
• Maintain loan repayment activities, collect past due accounts, and monitor credit and collateral deficiencies.
• Adhere to loan policies and procedures with complete documentation for internal and external audits.
• Communicate and negotiate with applicants about the terms under which consumer credit will be extended, including costs, repayment methods, and schedules.
• Engage actively in the community through involvement in business organizations, community events, and non-profit organizations.
• Set and achieve challenging goals independently and foster a positive team spirit.
• Achieve compliance with applicable laws, regulations, policies, and procedures, including completing required compliance training.
• Perform other duties as assigned.

Qualifications

• Well-developed interpersonal and negotiating skills.
• Excellent written and verbal communication skills.
• Basic accounting, credit, and sales skills.
• Detail-oriented and proven ability to multi-task.
• Ability to read and interpret financial reports and legal documents.
• Ability to write routine reports and business correspondence.
• Effective presentation skills in various settings.
• Experience in the local market for better understanding of the lending environment and potential customer base.
• Proficiency in MS Office programs and lending computer software.
• NMLS certification required.

Education and Experience

• A Bachelor’s degree in business, finance, or related field, or relevant job experience preferred.
• Two to four years of lending experience with developed sales skills preferred.