Commercial Banker II

Carter Bank • Winston-Salem, NC

11d • $90,135 - $156,800 • Onsite

About The Position

Under minimal direction, generates loans, deposits, fee income and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals.

Requirements

• Bachelor’s degree in Business or related field or equivalent in education and experience
• Prior banking experience in commercial lending
• Knowledge of lending regulations, compliance procedures, and credit analysis
• Strong sales, written and oral communications and interpersonal skills
• Proficiency in Windows-based PC systems and banking software
• Excellent customer service skills
• Detail-oriented with ability to excel in high-volume environment
• Ability to perform effectively in fast-paced environment
• Knowledge of Microsoft Office, especially Word, Excel and Outlook

Responsibilities

• Calls on existing and potential customers to develop new business and/or expand and retain current business
• Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services
• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
• Work closely with Credit partners in the administration of new and existing loan relationships
• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority
• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends
• Studies industrial, commercial, and financial situations relating to new or existing businesses
• Serve as a trusted advisor to customers
• Assists other Commercial Bankers, as needed
• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank’s outstanding loans
• Represents the Bank in business development efforts and civic and community functions
• Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
• Monitors loan payments and coordinates collection activities for all past due loans
• Serves in other capacities as requested

Benefits

• medical
• dental
• vision
• life insurance
• disability coverage
• other voluntary benefits
• 401(k)
• paid time off
• paid holidays

What This Job Offers

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