Commercial Banker - Houston County

Morris Bank•Warner Robins, GA

21d

About The Position

The Commercial Banker is responsible for developing, managing, and growing profitable commercial banking relationships within the community. This role involves originating quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank's mission to strengthen the local economy. The Commercial Banker will actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality.

Requirements

Bachelor's degree in business or finance preferred, or equivalent experience
Five to seven years of lending experience within a financial institution preferred, but related accounting or finance industry experience considered
Demonstrated ability to communicate effectively and professionally with business customers and with team members
Strong attention to detail, good judgment and decision-making skills
Ability to exercise personal and professional responsibility and work under minimum supervision
Strong planning and organizational skills
Excellent interpersonal, verbal and written communication skills; demonstrated ability to communicate complex facts to a variety of people
Strong customer service skills: demonstrated ability to positively persuade customers and identify and meet their financial banking needs
Adaptive to change
Computer Skills: Microsoft Word and Excel, Internet Explorer, Web-Based Applications
Team Player – Build and maintains productive relationships with people throughout the organization
General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred

Responsibilities

Business Development & Relationship Management Proactively identify, solicit, and develop new commercial banking relationships within the bank's target market.
Build strong, long-term relationships with business owners, executives, and community leaders.
Promote the bank's full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services.
Maintain regular contact with customers to assess needs and identify opportunities for additional services.
Deliver customized solutions and consultation to customers and prospects of the bank.
Credit & Loan Origination Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines.
Gather and analyze financial information to determine creditworthiness and loan structure.
Prepare and present credit recommendations for approval.
Negotiate terms, pricing, and structure of credit facilities.
Portfolio Management Monitor loan performance and maintain credit quality through ongoing review and relationship contact.
Identify and address early warning signs of potential problem loans.
Ensure all loan files, documentation, and servicing requirements are complete and accurate.
Manage loan renewals and covenant compliance.
Community Involvement Actively participate in local business, civic, and community organizations to enhance the bank's visibility and reputation.
Represent the bank at networking, chamber of commerce, and industry events.
Compliance & Risk Management Adhere to all bank policies, procedures, and applicable banking regulations.
Maintain current knowledge of market conditions, industry trends, and competitors' offerings.