Commercial Banker I

United Bank • Charlottesville, VA

6d • $88,400 - $154,700

About The Position

The Commercial Banker obtains, promotes, and manages a portfolio of existing and new loan customers, including cross-selling loans, products, and services while ensuring compliance with the Bank’s lending policies and procedures. The role primarily focuses on loans of less than $1 million.

The position develops commercial banking relationships through customer communication, routine calls and meetings, and business development. It evaluates loan applicants’ financial status, credit, and property; coordinates loan documentation, structure, commitment letters, closings, and funding; and reviews commercial real estate appraisals. The Commercial Banker also stays current on lending practices and relevant regulations, participates in community activities to promote the Bank, recommends appropriate banking products and services, and supports customer maintenance and problem resolution.

The role requires minimal travel within the assigned market and may involve working outside the normal schedule to meet customer needs and attend community functions. In Charlottesville, Virginia, the stated salary range is $88,400 to $154,700. Placement depends on experience and skills. The position may also be eligible for bonuses, long-term incentives, commissions, and other Bank-sponsored benefit programs. The company describes professional and personal development opportunities, including career advancement, training, wellness initiatives, mentoring, and leadership programs.

Requirements

• Bachelor’s degree preferred, with a focus in business, finance, or a related field.
• At least two years of related banking experience required; commercial lending or portfolio management experience is preferred.
• Demonstrated ability to establish effective and successful business relationships.
• Formal credit analysis training or sufficient lending experience.
• Proficiency in Microsoft Office products.
• Demonstrated ability to grow and manage customer relationships.
• Ability to organize and analyze complex financial data.
• Knowledge and understanding of federal and state regulations regarding lending and related departments.
• Excellent analytical and mathematical skills, including the ability to make credit decisions.
• Excellent verbal and written communication skills.
• High level of professionalism and maturity.
• Ability to work outside the normal work schedule to meet customer needs and attend community functions and events for business development.
• Minimal travel within the assigned market is required.
• Ability to sit or stand for extended periods.
• Sufficient hand and finger dexterity to operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff.
• Ability to observe, perceive, identify, and translate data.
• Ability to travel via air, rail, automobile, and/or bus.

Nice To Haves

• Bachelor’s degree focused in business, finance, or a related field.
• Experience as a Commercial Lender or Portfolio Manager.

Responsibilities

• Analyze markets to develop prospects for loans.
• Maintain and develop positive, professional customer relationships through ongoing communication, routine calls, and meetings; identify new commercial banking opportunities through business development.
• Evaluate applicants’ financial status, credit, and property to determine the feasibility of loan requests.
• Compile loan documentation, facilitate loan structure with applicants, and prepare and deliver commitment letters.
• Review and evaluate commercial real estate appraisals.
• Ensure loan closing and funding activities occur in a timely manner.
• Identify complex situations, evaluate relevant information, and develop acceptable solutions.
• Stay informed about lending practices and communicate updates needed to Bank policies.
• Participate in community events and organizations to promote the Bank’s products and services and build relationships.
• Maintain knowledge of banking products and services and make appropriate recommendations.
• Administer referrals, direct meetings, and business development opportunities.
• Ensure compliance with standards and policies and secure customer transactions.
• Handle routine client maintenance requests and problem resolution, and perform sales functions for deposit, credit, convenience, and other product and service lines.

Benefits

• Professional and personal development opportunities, including career advancement, job and industry training, wellness initiatives, mentoring, and leadership programs.
• May be eligible for cash bonuses, long-term incentives, commissions, and other United Bank-sponsored benefit programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level