Business Banker

Plains Commerce Bank•Aberdeen, SD

12d

About The Position

The Business Banker position is responsible for building and servicing a loan portfolio, typically maintaining a loan portfolio size over 10 million dollars. The role involves identifying, pursuing, and developing potential commercial customers to build a high-quality loan portfolio in accordance with loan policy guidelines and underwriting standards. The Business Banker will manage an existing portfolio, provide top-notch financial service, and approve and administer loans up to their individual credit limit. This role requires establishing customer risk levels, analyzing data to ensure quality loans, and finding workable solutions for customer problems. The Business Banker will also explain and sell additional Bank products, recognize sales opportunities, and refer customers to appropriate departments. Additionally, the role involves preparing and presenting information at loan meetings and actively participating in community affairs to project a positive image of the Bank.

Requirements

Three to five years of prior lending experience preferred
Must have detailed knowledge of banking rules and regulations and Bank products offered
Must have knowledge of credit analysis, credit policy/procedures, problem loan administration, and financial budgeting and planning
Computer knowledge and the ability to learn various software programs is a must
Attention to detail while composing, typing and proofing loan documents
Must have the ability to calculate figures and have good verbal and written communication skills

Nice To Haves

Construction lending experience is a plus
Professional appearance and attitude are a must

Responsibilities

Identifies, pursues, and develops potential; commercial customers in order to build a high-quality loan portfolio, while staying in accordance with loan policy guidelines and underwriting standards to ensure maximum profitability, loan quality and to minimize potential losses to the Bank
Manages an existing portfolio and will be required to build on those relationships by giving top notch financial service
Approves and administers loans up to individual credit limit
Establishes customer’s risk level by researching bank relationships, determining collateral values, and analyzing all data compiled to ensure quality loans are approved.
Listens to a customer’s problem and then tries to find a workable solution
Displays knowledge and proficiency in explaining and selling additional Bank products; recognizes sales opportunities and refers customers to the appropriate department
Prepares and presents information at loan meetings in a clear, accurate, and confident manner
Plays an active role in community affairs and organizations while projecting a positive image of the Bank and demonstrating the Bank’s commitment to the community.