Commercial Banker II

Simmons Bank•Springfield, MO

About The Position

The Commercial Banker II is focused on acquiring, growing, and retaining large, more complex commercial relationships while cross-selling the Bank’s other business lines through a focused and structured client-focused business development plan. This position may concentrate in CRE or C&I relationships. Key measurements of success are net new loan and deposit growth, fee income, referrals to other lines of business, and portfolio management including asset quality. Officers in this position are expected to manage a portfolio greater than $50M and typically reside in markets of MSA’s greater than 500,000. The role involves a strategic focus on large, more complex commercial client activity through relational selling as a trusted advisor to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of the Bank’s products and services. It includes establishing and negotiating the terms for extending large commercial credit, determining cost, risk, and profitability, and setting method, schedule, and collateral requirements. The role requires reviewing and analyzing complex financial information to determine a borrower’s creditworthiness, presenting recommendations to loan committee, and exhibiting a deep understanding of credits presented. Responsibility extends to the profitability of all commercial relationships within the portfolio and ultimate portfolio management, which may include borrowing base and/or construction draw processes. This includes monitoring loan repayment activities, collecting past due accounts, and addressing credit and collateral deficiencies. Adherence to loan policies and procedures with complete documented files is essential for satisfactory reviews from internal and external audits. Active cross-selling of other bank products, such as all commercial products, treasury management, employee benefits, and wealth management services, is expected to build deep banking relationships. Becoming active in the community through membership in business organizations, community events, and/or non-profit organizations is encouraged to advance the reputation of the Bank. The role requires the ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and Bank-wide goals are met. It also involves setting and achieving challenging goals without direct supervision and contributing to a positive team spirit. Ensuring all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures, including completion of required compliance training, is mandatory. Other duties and responsibilities as assigned.

Requirements

Bachelor’s degree in business, finance, related field, or relevant job experience is preferred.
Four to six years minimum experience in a commercial banking function.
Significant experience in complex lending is preferred.
Highly developed sales skills are required.
Experience in the local market is preferred.
MS Office programs proficiency.
Proficiency in lending computer software.
NMLS required.
Analytical ability to collect data and use experience and skill set to make credit decisions.
Ability to speak clearly and persuasively in all situations.
Ability to respond clearly to questions and demonstrate presentation skills.
Written material is informative, edits work for spelling and grammar.
Balances individual responsibilities and team goals.
Contributes to building a positive team environment and provides support for others when needed.
Exhibits confidence and motivates other team members.
Well-developed interpersonal and negotiating skills are required.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Detail oriented and proven ability to multi-task.
Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals 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 effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.
Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.

Nice To Haves

Concentrate in CRE or C&I relationships.
Experience in the local market for better understanding of the lending environment and potential customer base is preferred.

Responsibilities

Acquire, grow, and retain large, more complex commercial relationships.
Cross-sell other Bank business lines through a focused and structured client-focused business development plan.
Manage a portfolio greater than $50M.
Establish and negotiate the terms for extending large commercial credit, including cost, risk, and profitability.
Determine method, schedule, and collateral requirements for commercial credit.
Review and analyze complex financial information to determine borrower creditworthiness.
Present recommendations to loan committee and exhibit a deep understanding of credits presented.
Manage the profitability of all commercial relationships within the portfolio.
Perform portfolio management, which may include borrowing base and/or construction draw processes.
Monitor loan repayment activities, collection of past due accounts, and credit and collateral deficiencies.
Adhere to loan policies and procedures with complete documented files.
Actively cross-sell other bank products, such as commercial products, treasury management, employee benefits, and wealth management services.
Become active in the community through membership in business organizations, community events, and/or non-profit organizations.
Meet individual goals and contribute in a team-oriented environment.
Set and achieve challenging goals without direct supervision.
Ensure all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures.
Perform other duties and responsibilities as assigned.