C&I Business Banker

Simmons Bank•Jackson, TN

About The Position

A Business Banker acquires, grows, and retains key business relationships and cross-sells the bank’s other business lines in local markets through a relationship-based business development plan. The portfolio focuses on commercial and industrial (C&I) relationships. Success is measured by net new loan and deposit growth, fee income, referrals to other lines of business, and portfolio management, including asset quality. The role serves small and mid-size commercial clients as a trusted advisor, helping them recognize opportunities and risks and achieve their goals through Simmons Bank products and services. The banker establishes and negotiates commercial credit terms, reviews financial information and creditworthiness, manages relationship profitability and portfolio quality, and refers customers to other bank products and services. The role also involves community participation, meeting individual and team goals, and complying with applicable laws, regulations, policies, and procedures.

Requirements

Well-developed interpersonal and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Detail-oriented with the ability to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, and/or government regulations.
Ability to read, analyze, and interpret financial reports and/or legal documents.
Ability to write routine reports and business correspondence.
Ability to present information effectively in one-on-one and small-group situations.
Ability to present information to groups and respond to questions from managers, clients, customers, the general public, and/or boards of directors.
NMLS required.
Time-management skills, leadership skills, and the ability to motivate and lead others.
Ability to perform in a sales environment.
Must possess oral and written communication skills.

Nice To Haves

Bachelor’s degree in business, finance, or a related field, or relevant job experience.
One to two years of lending experience with basic sales skills.
Experience in the local market to understand the lending environment and potential customer base.
Experience with lending computer software.

Responsibilities

Build relationships with small and mid-size commercial clients through relational selling and trusted-advisor service.
Establish and negotiate commercial credit terms, including cost, risk, profitability, method, schedule, and collateral requirements.
Drive deposit and loan growth.
Identify and refer SBA opportunities.
Review and analyze financial information to assess customer creditworthiness.
Present recommendations to the loan committee when applicable and demonstrate a thorough understanding of presented credits.
Manage the profitability of commercial relationships within the portfolio.
Monitor loan repayments, past-due account collections, and credit or collateral deficiencies.
Follow loan policies and procedures and maintain complete, documented files for internal and external audits.
Refer customers to commercial loan and deposit products, treasury management, mortgage, employee benefits, wealth management, and related retail products.
Participate in business organizations, community events, and/or nonprofit organizations to advance the bank’s reputation.
Meet individual goals and contribute to departmental and bank-wide goals in a team-oriented environment.
Complete departmental activities and documentation in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.