Corporate C&I Banker

About the role

The Corporate C&I Banker is a senior-level relationship manager responsible for developing, managing, and expanding a portfolio of complex commercial and industrial (C&I) banking relationships. This position serves as a trusted financial advisor to middle-market and privately held businesses by delivering customized lending, deposit, treasury management, and other financial solutions.

Responsibilities

• Develop and maintain a portfolio of commercial relationships consisting of privately held businesses, professional firms, nonprofit organizations, and other commercial clients.

• Actively prospect for new business opportunities through networking, centers of influence, community involvement, referrals, and targeted calling efforts.

• Generate profitable loan, deposit, treasury management, and fee income growth consistent with strategic objectives.

• Serve as the primary point of contact for commercial clients, providing exceptional relationship management and consultative financial advice.

• Develop comprehensive relationship strategies to deepen and expand client relationships across multiple product lines.

• Maintain a consistent calling program focused on existing and prospective commercial clients.

• Structure, negotiate, and originate complex commercial loan transactions including:

  • Lines of Credit
  • Working Capital Facilities
  • Equipment Financing
  • Owner-Occupied Real Estate Loans
  • Acquisition Financing
  • SBA Loans (when applicable)
  • Other Commercial Credit Facilities

• Analyze financial statements, tax returns, cash flow projections, collateral valuations, and industry trends to assess credit risk.

• Prepare and present credit requests and relationship strategies to credit administration and loan committees.

• Monitor portfolio performance and proactively identify emerging credit concerns.

• Ensure loan relationships remain in compliance with applicable covenants, policies, and regulatory requirements.

• Maintain acceptable loan quality metrics, past due levels, and exception reporting standards.

• Partner with Treasury Management officers to identify and deliver cash management solutions.

• Promote deposit growth through operating accounts, money market accounts, and related commercial deposit products.

• Identify opportunities for merchant services, payment solutions, and other fee-based products.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field required.

• Minimum of ten (10) years of commercial lending, C&I banking, relationship management, or credit underwriting experience.

• Demonstrated success developing and managing significant commercial banking relationships.

• Advanced knowledge of commercial credit analysis, underwriting, and loan structuring.

• Strong understanding of business financial statements, tax returns, and cash flow analysis.

• Experience presenting complex credit transactions to senior credit officers and loan committees.

• Proven track record of achieving loan, deposit, and fee income production goals.

• Strong negotiation, communication, and relationship management skills.

• Proficiency with Microsoft Office applications and commercial banking systems.

Benefits

Equal Opportunity Employer/Veterans/Disabled