Commercial Banker III

Commercial Banker III

The Commercial Banker's primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank's lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up.

• Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers.

• Maintain positive, professional relationships with customers and continue communication for growth of portfolio.

• Production focused to build a book of business.

• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of loan request.

• Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.

• Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.

• Actively participates in the Community by attending events and being active in organizations to promote the Bank's business products and services and build relationships.

• Ensures loan closing and funding activities occur timely.

• Identify complex situations, review related information to evaluate and develop an acceptable solution.

• Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank's policies to remain working within the bank's policy guidelines.

• Maintains knowledge of compliance requirements for banking. Handles all customer interactions and file records in compliance with federal and state regulations.

• Maintains product knowledge for establishing full banking relationships with commercial customers.

• Other duties and projects as assigned.

Skills/Qualifications:

• Bachelor's degree required, preferably in business, finance or another related field

• Minimum of four (4) years of related experience in Commercial Banking is required.

• Formal credit analysis training and working experience in applying is required

• Proficiency in Microsoft Office Products is required

• Ability to organize and analyze complex financial data is required

• Knowledge and understanding of all federal and state regulations regarding lending and related departments and ability to stay current is required

• Excellent analytical and mathematical skills and ability to make a credit decision is required

• Excellent verbal and written communication skills is required

• Demonstrated high level of professionalism and maturity is required

• Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development is required

• Minimal travel within assigned market is required

Key Competencies:

• Relationship Building

• Sales Driven

• Self-Motivated

• High Business Acumen

Essential Functions:

• Sitting or standing for extended periods of time.

• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.

• Ability to converse and exchange information with all levels of staff within organization.

• Ability to observe, perceive, identify, and translate data

• Ability to travel via air, rail, automobile and/or bus.