Commercial Banker III
About The Position
Assumes the primary responsibility for managing existing and growing commercial banking relationships. This role involves interviewing customers and prospective customers to identify loan and deposit opportunities, developing and enhancing banking relationships with commercial customers by selling loan, deposit, and fee products/services. It also includes collecting and analyzing financial data for proper loan structure for presentation to the loan committee, managing the commercial calling program for existing customers, and assisting senior team members with new business development activities. The position is also responsible for negotiating customer loan documentation and facilitating loan closings in conjunction with a senior team member. Additionally, it involves carrying out business development activities to identify bank prospects and develop key centers of influence, collaborating with the commercial banking team and credit to prepare new loan requests, prescreens, and committee presentations, and ensuring compliance with existing loan policies and procedures. The role also requires working with product partners like Treasury Management and Private Banking to establish products/services for commercial customers, responding to customer questions, and collaborating with Portfolio Managers to manage the existing loan portfolio. This includes monitoring and documenting the performance of the loan portfolio through call memos, site visits, financial collection/review, annual reviews, and business development plans, as well as monitoring maturing loans and exceptions, and managing loan payment delinquency.
Requirements
- Requires a four-year college degree or equivalent, major in Business or related fields.
- Five to ten years specialized experience.
Responsibilities
- Interviews customers and prospective customers to identify loan/deposit opportunities
- Develops and enhances banking relationships with commercial customers by selling loan, deposit and fee products/services.
- Collects and analyzes financial data for proper loan structure for written/verbal presentation to loan committee.
- Manages commercial calling program for existing customers.
- Assists senior team members with new business development activities.
- Negotiates customer loan documentation and facilitates loan closings in conjunction with a senior team member.
- Carries out a variety of business development activities to identify bank prospects and develop key centers of influence.
- Collaborates with commercial banking team and credit to prepare new loan requests, prescreens and committee presentations.
- Ensures compliance with existing loan policies and procedures
- Works with product partners including Treasury Management and Private Banking to establish products/services for commercial customers.
- Responds to various customer questions and as needed directs to appropriate party and provides follow through.
- Collaborates with Portfolio Managers to manage existing loan portfolio.
- Monitors and documents performance of existing loan portfolio through call memos, site visits, financial collection/ review, including Annual Reviews and business development plans.
- Monitors maturing loans and financial/covenant/documentation exceptions.
- Manages loan payment delinquency within their portfolio
- Maintains a good working relationship with bank employees.
- Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization.
- Assumes additional responsibilities as required.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
