Commercial Banker II
About The Position
The Commercial Banker II develops and services commercial real estate (CRE) relationships and participates in business development to support bank growth, including outside calling and referrals to other lines of business. The role manages a portfolio of existing investment real estate commercial customers with borrowing needs of $3.0 million or more. Customers are likely to be medium to large and may operate in multifamily, industrial, retail, office, or medical real estate segments. The position provides excellent customer service and acts as a trusted advisor, retaining and expanding relationships while identifying customer needs and recommending banking products and services. It develops new business and maintains established Centers of Influence. The banker assesses financial performance and risk on complex deals, structures and negotiates loans, and works with Credit Partners and Commercial Loan Administrators to maintain portfolio quality and administration.
Requirements
- At least 5 years of commercial banking and/or related experience.
- Bachelor of Science degree in Business, Economics, or Finance, or equivalent financial experience.
- Strong analytical skills.
- Strong loan structuring and negotiation skills.
- Excellent communication and presentation skills, including the ability to present effectively to senior levels of the organization.
- Ability to work as a member of a team.
- Strong computer skills.
Responsibilities
- Develop and service commercial real estate relationships.
- Participate in business development activities, including outside calling and referrals to other lines of business.
- Manage a portfolio of existing investment real estate commercial customers with borrowing needs of $3.0 million or more.
- Retain and expand existing customer relationships and serve as a trusted advisor.
- Identify customer needs, recommend and cross-sell bank products and services, and work with product partners.
- Develop new business and maintain Centers of Influence.
- Assess financial performance and risk on complex deals and identify ways to mitigate risk to the bank.
- Follow sound risk management and pricing practices and comply with internal and external credit and regulatory requirements.
- Structure deals, recommend covenant structures and thresholds, negotiate terms, review loan documentation, and close loans consistent with approvals.
- Work with Commercial Loan Administrators and Credit Partners on financial reporting, exception resolution, annual reviews, and file memos.
- Act as a mentor to junior relationship managers.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
