Commercial Banker (Finance)

POSITION TITLE: Commercial Banker

FLSA STATUS: Exempt

SUMMARY:

Under minimal direction, generates loans, deposits, fee income, and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses, and professionals

ESSENTIAL JOB FUNCTIONS:

• Calls on existing and potential customers to develop new business and/or expand and retain current business.

• Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services.

• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.

• Work closely with Credit partners in the administration of new and existing loan relationships.

• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority.

• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines and developing trends.

• Studies industrial, commercial, and financial situations relating to new or existing businesses.

• Serve as a trusted advisor to customers.

• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loans.

• Represents the Bank in business development efforts and civic and community functions.

• Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues and other portfolio responsibilities are handled in a timely and accurate manner.

• Monitors loan payments and coordinates collection activities for all past due loans.

JOB REQUIREMENTS:

• Bachelor's degree in Business or related field or equivalent in education and experience

• Knowledge of lending regulations, compliance procedures, and credit analysis

• Prior banking experience in commercial lending preferred

KNOWLEDGE/SKILLS REQUIRED:

• Strong sales and interpersonal skills

• Strong verbal and written communication skills

• Proficiency in Windows-based PC systems and banking software

• Excellent customer service skills

• Detail-oriented with ability to excel in high-volume environment

• Ability to perform effectively in fast-paced environment

• Knowledge of Microsoft Office, especially Word, Excel and Outlook

PHYSICAL AND MENTAL QUALIFICATIONS:

• Standing, walking, bending and stooping required

• Must be able to sit at a desk for long periods of time and use a computer

• Must be able to occasionally move or lift up to 10 pounds

• Travel required