Commercial Banker
Great North Bank
Ubicación de trabajo
United States
Estado de Empleo
Tiempo completo
Detalles de la oferta de trabajo
Description:
Serves as the market leader and provides leadership and direction to those in an assigned market area. Performs all duties associated with the Commercial Banker position in originating, underwriting and closing secured and unsecured commercial loans in accordance with established lending objectives, policies and procedures. Establishes, maintains and maximizes relationships with existing and potential customers. Profitably grows loans, deposits and fees. Ensures that credit quality guidelines are met/monitored.
PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:
• Provides leadership and direction to the sales team in assigned market area. Works closely with Chief Operating Officer to ensure understanding of key initiatives and to align team with strategic plan.
• Maintains a portfolio of existing customers and maximizes relationship based on customer need. Gathers and oversees compilation of all needed information for loan application. Works in tandem with Credit Administration to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application. Corresponds with or interviews applicant or creditors to resolve questions and negotiate deal.
• Monitors the financial condition of clients and takes necessary action to collect on past due accounts and ensure the ongoing repayment ability of all other accounts. Monitors the credit quality of assigned portfolio. Provides financial advice and counseling to current and prospective clients regarding conditions of the business environment and general banking trends.
• Develops new business. Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.
• Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms. Refers and/or presents loan to loan committee for approval in excess of individual loan approval authority. Ensures loan agreements are complete and accurate according to policy. Assures timely loan closing and funding activities. Maintains updated loan documentation and loan files.
• Seeks business development and networking opportunities with valuable third-party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.).
• Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as vehicle for customers.
• Collects delinquent accounts in timely manner within bank procedures/processes. Develops/ negotiates revised loan repayment terms/schedules as necessary.
• Remains highly informed on current Bank policy and related rules and regulations.
• Cross trains other team members for back-up support as needed.
• Supports the sales culture of the Bank by seeking opportunities to promote Bank products and services.
Requirements:
Education
• Bachelor’s degree in business or equivalent combination education and experience
• Specialized training in accounting, finance and economics plus additional bank-related training
• Formal credit training
Experience
• A minimum of 3 years Commercial Banking experience
Other Skills and Abilities
• Thorough knowledge of credit and lending regulations and policies
• Proven business development and sales skills
• Strong communication skills, both written and verbal
• Negotiation skills
• Ability to interact with customers and employees with tact, diplomacy and confidentiality
• Resourceful, innovative and well organized
• Ability to assess problems and/or unusual situations and develop logical solutions
• Strong ethical focus
• Professional image
• Thorough knowledge/understanding of legal and regulatory matters and industry trends
PERFORMANCE MEASURES:
• Meets or exceeds annual goals as pre-established by the CEO that are aligned with the strategic plan
• Loan growth
• Deposit growth
• Asset quality
• Fee income
• Loan policy and procedure quality
• Compliance with regulatory requirements
