Commercial Banker II

Simmons Bank•Fayetteville, AR

11d

About The Position

The Commercial Banker II acquires, grows, and retains large, complex commercial relationships and cross-sells the Bank’s other business lines through a focused client-development plan. The role may concentrate on commercial real estate (CRE) or commercial and industrial (C&I) relationships. Success is measured by net new loan and deposit growth, fee income, referrals to other business lines, and portfolio management, including asset quality. The position serves as a trusted advisor to commercial clients, structures and negotiates commercial credit, analyzes complex financial information, and presents recommendations to loan committee. It is accountable for relationship profitability and portfolio management, including monitoring repayment, past-due accounts, and credit or collateral deficiencies. The Commercial Banker II also promotes the Bank in the community, supports individual and team goals, and ensures work complies with applicable laws, regulations, policies, and procedures.

Requirements

Well-developed interpersonal and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Detail-oriented, with the proven ability to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, government regulations, financial reports, and legal documents.
Ability to write routine reports and business correspondence.
Ability to present information effectively in one-on-one, small-group, and group settings, and respond to questions from managers, clients, customers, the public, and boards of directors.
Highly developed sales skills.
Four to six years minimum experience in a commercial banking function and significant experience in complex lending are preferred qualifications stated in the posting.
NMLS required.
Analytical ability to collect data and use experience and skills to make credit decisions.
Ability to speak clearly and persuasively, respond clearly to questions, and demonstrate presentation skills.
Ability to produce informative written material and edit work for spelling and grammar.
Ability to balance individual responsibilities with team goals, contribute to a positive team environment, and support others.
Confidence and ability to motivate other team members.
MS Office skills and proficiency in lending computer software.

Nice To Haves

A bachelor’s degree in business, finance, a related field, or relevant job experience is preferred.
Four to six years minimum experience in a commercial banking function and significant experience in complex lending are preferred.
Experience in the local market is preferred to support understanding of the lending environment and potential customer base.

Responsibilities

Acquire, grow, and retain large, complex commercial relationships through relational selling and a structured client-focused business development plan.
Advise commercial clients on opportunities and risks and help them accomplish their goals using the Bank’s products and services.
Establish and negotiate terms for commercial credit, including cost, risk, profitability, method, schedule, and collateral requirements.
Review and analyze complex financial information to assess borrower creditworthiness, and present recommendations to loan committee.
Manage the profitability of commercial relationships within the portfolio.
Manage the portfolio, which may include borrowing-base and construction-draw processes.
Monitor loan repayment, collect past-due accounts, and address credit and collateral deficiencies.
Maintain complete, documented loan files and adhere to loan policies and procedures to support satisfactory internal and external audits.
Cross-sell commercial products, treasury management, employee benefits, and wealth management services.
Participate in business organizations, community events, and/or nonprofit organizations to advance the Bank’s reputation.
Meet individual goals and contribute to departmental and Bank-wide goals in a team-oriented environment.
Complete departmental activities in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.