Commercial Banker

Commercial Banking Officer

Summary

The Commercial Banking Officer is responsible for developing new business, underwriting, structuring, and the closing of commercial loans, as well as maintaining and servicing an existing portfolio.  Represents the bank in local community through active participation in community events and participates in marketing all the bank’s products and services.

Essential Job Functions

• Monitor an existing commercial and commercial real estate loan portfolio to ensure proper risk ratings and early identification of potential problems.
• Independently source, develop and underwrite commercial and new construction, interim, and permanent mortgage financing requests for new and existing customers.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
• Daily review, approval and disposition of commercial overdrafts.
• Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
• Support the bank’s strong relationship banking culture through a consistent and on-going customer and prospect calling program, quality customer service, and superior product knowledge.
• Member of Loan Committee

Minimum Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.

• Bachelor’s degree with a major in Finance, Business, Economics or Accounting or a related field. MBA preferred.
• Minimum of 5-7 years of commercial lending experience.
• Graduation from American Banker’s Association (ABA) Commercial Lending School or Advanced Banking School desired.

• Experience, knowledge and training in financial statement and tax return analysis.
• Knowledge of commercial, construction, real estate and consumer loan processing.
• Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
• Technical skills in and personal computer operation; bank core processing system; word processing, spreadsheet and specialty software programs; ability to use mobile technology.
• Ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to speak clearly to customers and employees.
• Ability to make effective presentations to prospective customers and company principals, existing customers, banking officials and community leaders.

Physical Requirements:

Following are the physical demands, or representative of those, that must be met to perform the essential functions of the job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• This position requires sitting over 66% of the time.
• This position requires visual acuity at 20 inches (or less) over 66% of the time and at distances greater than 20 feet up to 34% of the time.
• Ability to stand for up to 33% of the time and lift 10 pounds.
• Extensive use of PC during the day - utilizing continuous viewing.
• High amount of workflow to work efficiently, accurately and to maintain good customer relations.
• Ability to talk to communicate on phone and in person; read and interpret documents such as regulatory, policy manuals and procedures.
• Must-have reasoning ability to convey detailed instructions in writing and verbally; problem solving to handle multiple situations and issues in a calm manner.
• Ability to hear normal conversations and receive information and converse with others.
• Will utilize a computer to perform daily duties and to prepare documents, using dexterity and hands for typing, physically moving and handling documents, etc.
• Ability to follow detailed and general instructions and possesses advanced math skills.
• This position requires up to 10% travel, which may include flying and/or driving and some overnight stays.