Corporate Banker - RJ Bank

About the Role

Under limited supervision, uses specialized knowledge and skills obtained through education and experience to develop and service a variety of routine commercial loans. Works independently on difficult assignments that are broad in nature, requiring originality and ingenuity with some latitude for unreviewed actions or decisions. Provides solutions to complex problems. Results are evaluated at agreed-upon milestones for effectiveness in achieving specified results. Extensive contact with external customers is required to develop, sell, or service products.

Responsibilities

• May participate with other commercial lenders on larger, more complex loans.
• Interview loan applicants.
• Obtain, interpret, and evaluate financial information to determine credit worthiness.
• Develop and negotiate terms and services of commercial loans and accounts.
• Make decisions on loans within limits or make recommendations to management.
• Create a pipeline of secure, profitable loans, deposits, and specialty commercial financial services.
• Maintain a customer and prospect database.
• Develop and maintain a balanced and sound loan portfolio in line with established policies, strategies, and procedures.
• Structure and price loans.
• Negotiate with customers and obtain necessary approvals.
• Monitor existing loans to ensure compliance with the terms of the loan and take corrective action on variances.
• Perform other duties and responsibilities as assigned.

Requirements

Knowledge

• Concepts, practices, and procedures of commercial lending.
• Loan portfolios, capital lines, equipment term loans, commercial real estate, and Small Business Administration (SBA) loans.
• Established organizational policies, strategies, and procedures for commercial lending.
• Principles of banking and finance.
• Financial markets and products.

Skills

• Analyzing financial information and determining credit worthiness.
• Negotiating commercial loan terms.
• Maintaining a customer and prospect database.
• Developing and maintaining a loan portfolio.
• Structuring and pricing commercial loans.
• Verifying customer compliance with terms.
• Operating standard office equipment and using required software applications.

Abilities

• Attend to detail while maintaining a big-picture orientation.
• Organize and prioritize multiple tasks and meet deadlines.
• Communicate effectively, both orally and in writing.
• Work independently as well as collaboratively within a team environment.
• Provide a high level of customer service.
• Establish and maintain effective working relationships with external customers.
• Maintain currency in commercial lending policies, practices, and procedures.

Qualifications

Bachelor’s degree in Accounting, Business Administration, or Finance.

3 to 6 years of general experience in commercial lending.

Travel required is less than 25%.

Benefits

This position is eligible for a benefits package that may include:

• Medical, dental, and vision insurance.
• Life insurance, critical illness insurance, and accident insurance.
• Disability benefits.
• Retirement savings.
• Paid time off (including vacation, holidays, and sick leave).
• Parental leave.

Eligibility for benefits and specific offerings may vary based on position and employment status. For more details, visit Myrjbenefits.com.

Company Culture

At Raymond James, associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence, and a conservative, long-term view. We expect our associates at all levels to:

• Grow professionally and inspire others to do the same.
• Work with and through others to achieve desired outcomes.
• Make prompt, pragmatic choices and act with the client in mind.
• Take ownership and hold themselves and others accountable for delivering results that matter.
• Contribute to the continuous evolution of the firm.

As part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all associates. The company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.