Commercial Banker III

Commercial BankerUnder minimal direction, generates loans, deposits, fee income, and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals.Calls on existing and potential customers to develop new business and/or expand and retain current businessSolicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and servicesInterviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable riskWork closely with Credit partners in the administration of new and existing loan relationshipsMakes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authorityFollows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trendsStudies industrial, commercial, and financial situations relating to new or existing businessesServe as a trusted advisor to customersInvolves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loansRepresents the Bank in business development efforts and civic and community functionsReviews 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 mannerMonitors loan payments and coordinates collection activities for all past due loansShares information and accumulated job knowledge with less experienced Commercial Bankers to assist in their developmentBachelor's degree in Business or related field or equivalent in education and experiencePrior banking experience in commercial lendingKnowledge of lending regulations, compliance procedures, and credit analysisStrong sales, written and oral communications and interpersonal skillsProficiency in Windows-based PC systems and banking softwareExcellent customer service skillsDetail-oriented with ability to excel in high-volume environmentStrong verbal and written communication skillsAbility to perform effectively in fast-paced environmentKnowledge of Microsoft Office, especially Word, Excel and OutlookStanding, walking, bending and stooping requiredMust be able to sit at a desk for long periods of time and use a computerMust be able to occasionally move or lift up to 10 poundsMay be asked to work supplemental hours periodicallyLimited travel required occasionally during and after business hoursSalary Pay Range: $111,126.03 - $193,328.85 annuallyEligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays