Commercial Banker III

Carter Bank•Raleigh, NC

42d

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
Strong verbal and written communication skills
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
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
Shares information and accumulated job knowledge with less experienced Commercial Bankers to assist in their development