Business Banker

Job Description

Job Description

• Responsible for managing an assigned commercial loan portfolio. This responsibility includes credit quality, credit approval and profitability of the portfolio.
• Performs due diligence to verify the information provided by customer and contained in the loan application or other information submitted.
  • Gathers information about customer relationship and related credit exposures
  • Utilizes multiple sources to gain background information on assigned clients
  • Gains understanding of the borrower's industry
• Gathers and evaluates business/personal financial statements, balance sheets and tax returns to determine borrower's ability to pay
• Works with manager and credit administration on analyzing of information obtained.
• Assists with credit approval presentations to the Executive Loan Committee and Board of Directors when the proposed loan dollar value exceeds lending authority.
• Assists with credit file review and annual review of loans, and monitors existing credits
• Reviews new laws and regulations that influence business lending within the financial institution.
• Assist in the correction of loan deficiencies cited by examiners.
• Develops new customer prospects and business for the financial institution.
• May participate in customer calls with other lenders
• Responsible for deepening customer relationships with new and existing customers. This will be accomplished through understanding the full account relationship with customers and making sales calls.
• Attend and/or complete any assigned training
• Comprehensive knowledge of banking and lending concepts, practices and policies
• Ability to effectively analyze information and situations to make timely and sound decisions
• Highly organized
• Strong service and team orientation
• Proficient in Excel and Microsoft Word to produce documents and compile information
• Strong communication and interpersonal skills
• Complies with requirements imposed by federal and state regulatory agencies
• Respond to the needs and priorities of the customer, recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty
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