Commercial Banker I

Vallant Bank•Statesboro, GA

9d•Onsite

About The Position

The Commercial Banker is responsible for increasing bank assets by developing quality commercial loans and deposit accounts, cross-selling bank products and services to customers through telephone contacts and personal visits, building long-term customer relationships, maintaining a positive service mentality, ensuring superior quality service in completing all customer transactions, matching the financial needs that achieve those customer goals with product and service solutions, and demonstrating an accurate knowledge of the bank's products and services. The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Requirements

College Degree in Business Administration or related field
More than five years prior work experience in the same or related position
Working knowledge of credit evaluation, cash flow analysis, collateral values and lien perfection
Basic knowledge of the bank's products and services.
Willingness to serve.
Ability to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.
Ability to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).
Project a professional image by adhering to guidelines in the employee handbook.
Ability to collect, research, and analyze information skillfully.
Self-starter, creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.
Leader by example, attentive to detail, work well with others and be responsive to supervisory guidance.
Ability to read credit reports and other tools necessary to accomplish position responsibilities.
Know how to read financial statements to include the balance sheet, profit & loss statement, and cash flow statement.
Ability to identify and interpret trends in financial data.
General knowledge of Generally Accepted Accounting Principles (GAAP) to include understanding the significant differences between Audited, Compiled, and Reviewed financial statements.
Clear understanding of the concepts of working capital. How is it defined? What are the working capital accounts? How does the operating cycle affect these accounts?
Working knowledge of compliance guidelines for the bank and the industry.

Nice To Haves

Successful completion of Large Bank Training program preferred.

Responsibilities

Increase bank assets by developing quality commercial loans and deposit accounts.
Cross-sell bank products and services to customers through telephone contacts and personal visits.
Build long-term customer relationships.
Maintain a positive service mentality.
Ensure superior quality service in completing all customer transactions.
Match financial needs that achieve customer goals with product and service solutions.
Demonstrate accurate knowledge of the bank's products and services.
Support the bank's strategic goals, vision, mission, core values, service standards and service philosophy.
Develop a personal and professional relationship with each prospect and current customer to effectively understand their banking needs.
Maintain a portfolio of customers, contacting top 25 customers at least twice a year.
Identify top 10 growth opportunity customers and pursue a growth development plan of action every month.
Proactively seek new business for the bank every day.
Proactively conduct relationship building calls to customers while being alert to signals for sales opportunities.
Utilize nCino and Connections to build and expand relationships and track referral opportunities.
Develop new business by contacting prospects and clients.
Promote business for the bank by maintaining good client relations.
Generate new loan business by actively participating in outside business development efforts using various outside calling methods.
Responsible for the attainment of commercial loan goals to include originations, outstandings, delinquency, charge-off, fee income and interest income.
Meet or exceed loan portfolio growth goals.
Accurately complete all loan documents by bank loan policy.
Review loans outstanding and measure against annual loan goals.
Develop strategies to achieve desired loans outstanding.
Determine appropriate loan products and prepare or delegate loan documents including collateral documents.
Make loans to creditworthy borrowers only.
Ensure perfection of the bank's security interest on borrower assets taken as collateral.
Verify insurance coverage on all collateral.
Answer credit inquiries.
Prepare memos for credit files on all new and renewed loans prior to loan funding.
Monitor loans to ensure conformity with loan policy, perfection of security interest and document collateral value.
Expand client relationships by proactively reviewing client needs and investigate any significant changes in the status of existing relationships.
Identify key clients and proactively review and meet with these clients to build relationships.
Serve as the “relationship manager” and liaison between the client and other areas of the Bank in resolving client problems and meeting the client’s needs.
Actively promote and refer business to other areas of the Bank.
Obtain and analyze all necessary and personal financial data, check credit standing, and make loan decisions within established limits and policy.
Prepare and recommend credit policies for loan products to the Chief Credit Officer and Senior Loan Officer for approval.
Responsible for the asset quality of the mortgage, and commercial loans within the loan portfolio.
Monitor and comply with regulatory compliance, including documentation, record keeping, origination, collection laws, and regulatory reports.
Have a comprehensive knowledge and adhere to the banks credit and loan policies.
Proactively document any exceptions to policies.
Obtain reports from Loan Operations, Loan Review, Credit Administration and Compliance, review the reports and work to clear all loan related exceptions, both major and minor.
Monitor past due loans and matured loans on at least a weekly basis.
Contact past due accounts and work with collections vendors on all delinquent loans.
Provide a written recommendation to the Market Manager for legal action, repossession, foreclosure charge-off or other action before recommending it to the Chief Credit Officer.
Take ownership and is involved in all phases of lending, from initial application to final payment or adverse action by the bank on loans initiated or inherited.
Ensure constructive and open dialogue with the operational areas of the bank, including credit administration, deposit and loan operations, accounting, loan review, compliance and branch administration.
Assist customers in determining the account(s) and service(s), which will best meet their personal or business banking needs and make recommendations based on understanding of customer needs and knowledge of the bank product and services.
Meet or exceed deposit portfolio goals.
Review and make all efforts to clear all overdrawn accounts.
Ensure that all loan documentation is accurate and complete.
Accurately complete necessary forms for all transactions.
Ensure that all loan forms are submitted in a timely manner.
Ensure that the loan meets all compliance requirements.
Ensure that bank and regulatory standards are fulfilled.
Ensure that all collateral is collected and attached.
Ensure that the loan package is complete, arranged in an orderly fashion, with all supporting documents attached.
Cross sell additional bank services to new and existing customers; refer customers to appropriate departments.
Meet or exceed monthly referral/cross-sell goals.
Sell various insurance products.
Refers to loan requests more than lending authority to appropriate employees with necessary limits.
Take full ownership for the well-being and positive community image of the bank.
Perform other tasks and duties as assigned by management.
Attend all training sessions and follow all compliance, security and internal guidelines to ensure accuracy and quality of each transaction.
Comply with the Bank Secrecy Act policies and procedures.
Focus on the importance of compliance and adhering to bank policies and procedures.