Commercial Banker II

Simmons Bank•Fayetteville, AR

10d

About The Position

The Commercial Banker II acquires, grows, and retains large, complex commercial relationships while cross-selling the Bank’s other business lines through a focused, structured client-development plan. The position may focus 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 role serves as a trusted advisor to commercial clients, helping them identify opportunities and risks and meet their goals through the Bank’s products and services. It establishes and negotiates terms for large commercial credit, analyzes complex financial information and borrower creditworthiness, presents recommendations to the loan committee, and oversees relationship profitability and portfolio management. It also monitors repayment and credit matters, maintains compliant loan files, cross-sells Bank services, and builds the Bank’s reputation through community involvement.

Requirements

Four to six years minimum experience in a commercial banking function and significant experience in complex lending are preferred.
Highly developed sales skills are required.
Experience in the local market is preferred.
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 individual, small-group, and larger-group settings and respond to questions.
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.
Proficiency with MS Office programs and lending computer software.
NMLS required.

Nice To Haves

A bachelor’s degree in business, finance, or a related field, or relevant job experience, is preferred.
Experience in the local market is preferred for understanding the lending environment and potential customer base.

Responsibilities

Acquire, grow, and retain large, complex commercial relationships through structured business development and relational selling.
Serve as a trusted advisor, helping clients recognize opportunities and risks and achieve their goals using the Bank’s products and services.
Establish and negotiate the terms of large commercial credit, including cost, risk, profitability, method, schedule, and collateral requirements.
Review and analyze complex financial information to assess borrower creditworthiness.
Present recommendations to the loan committee and demonstrate a thorough understanding of the credits presented.
Manage the profitability of commercial relationships within the portfolio.
Oversee portfolio management, which may include borrowing-base and construction-draw processes.
Monitor loan repayments, collection of past-due accounts, and credit or collateral deficiencies.
Follow loan policies and procedures and maintain complete, documented files for 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 team and Bank-wide goals.
Complete departmental activities in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.