Commercial Banker V

Broadway Bank•Dallas, TX

6d•Onsite

About The Position

This role assumes responsibility for independently developing a portfolio of banking relationships with companies based in the DFW area. Targeted clients will primarily be involved in manufacturing, distribution, and professional services industries, with revenues ranging from $5MM to $250MM. The Commercial Banker is expected to originate and manage commercial loans such as working capital lines of credit, owner-occupied real estate loans, equipment loans, and loans to key principals of the business. In addition to lending, the banker will develop depository and treasury management relationships to ensure a comprehensive banking partnership. Strong credit and underwriting expertise are essential, along with maintaining a consistent business development effort. Presentations to Senior Officers' Loan Committee and Directors' Loan Review Committee regarding the creditworthiness of loan applications are key components of this role.

Requirements

10+ years of Commercial Banking experience, including significant business development efforts.
Demonstrated expertise in credit analysis and underwriting, with a proven ability to structure and negotiate complex loan transactions.
Bachelor’s degree in Finance, Real Estate, Accounting, or a related field is required.
Strong credit analysis and financial statement interpretation skills.
Advanced knowledge of commercial lending products, policies, and procedures.
Experience with bank core systems and strong proficiency in Microsoft Office, particularly Excel for financial modeling and analysis.
Expertise in managing client relationships, with a proven ability to maintain and deepen banking relationships.
Excellent presentation skills, with experience presenting to senior management and credit committees.
Strong negotiation and structuring skills for complex transactions.
Knowledge of regulatory requirements related to commercial lending, with an ability to ensure compliance.
Proven ability to work in a team environment while managing individual responsibilities independently.
Strong interpersonal skills with the ability to effectively communicate and negotiate with clients and colleagues.
Demonstrated ability to stay abreast of economic and market trends impacting clients and the banking sector.
Meet and maintain financial responsibility, character and general fitness standards along with all other established requirements for an individual Loan Originator (LO) in accordance with Regulation Z.

Nice To Haves

Formal Sales and Credit Training is preferred.
an MBA or a graduate degree in a related discipline is preferred.

Responsibilities

Develops and manages a portfolio of commercial loans by proactively engaging in business development activities to acquire new clients and grow relationships with existing customers.
Conducting client interviews to gather financial and credit information, assessing client needs and risk, and preparing necessary documentation such as financial and operating statements.
Ensuring thorough financial analysis and credit evaluation in alignment with the bank’s policies and guidelines.
Presenting loan applications and credit recommendations to internal committees for approval.
Overseeing loan documentation and ongoing account management, including construction site inspections and approving draw requests.
Monitoring financial covenants and borrowing base reports, ensuring compliance with loan terms.
Collaborates with clients to identify cross-sell opportunities, including depository and treasury services, to enhance the full banking relationship.
Ensures ongoing monitoring of loan portfolios to guarantee conformity with the terms and identify potential risk factors or changes in borrower financial conditions.
Ensures loans meet all regulatory requirements and maintains up-to-date knowledge of business and economic trends that may impact the bank’s loan portfolio.
Represents the bank in community and professional organizations, enhancing the bank’s presence and fostering business relationships.
Maintains the integrity of the customer experience, adhering to the bank’s mission, vision, and values in every interaction.
Assumes additional responsibilities as requested by senior management.
This position may require travel within the Bank’s geographic area.