Commercial Banker

German American Bank•Vincennes, IN

10d

About The Position

German American Bank is seeking a sales-oriented professional to provide outstanding customer service in its commercial lending division. The Commercial Banker analyzes and manages existing commercial relationships and investigates and develops opportunities to attract new customers. Through active community engagement, the banker cultivates relationships and promotes the bank’s image and services. The role uses commercial banking knowledge to understand customers’ and prospects’ business and personal needs, establish and negotiate credit terms, and cross-sell other services. The position focuses on generating new lending relationships while managing an existing client portfolio, growing the loan portfolio, and increasing the bank’s penetration in the communities it serves. It also involves assessing the creditworthiness of current customers and the merits of existing loans by inspecting collateral, reviewing interim financial reports, and using other appropriate means.

Requirements

Bachelor’s degree in Business, Finance, Accounting, or equivalent work experience.
7–10 years of commercial lending experience.
Strong technical lending skills, including the ability to analyze financial statements and a strong understanding of loan documentation.
Proven track record in selling, negotiating, building relationships, and cross-selling.
Strong written and verbal communication skills and keen attention to detail in creating professional presentations.

Nice To Haves

Ability to build business and personal relationships through strong interpersonal skills.
Ability to create and network with business contacts and influencers to develop referrals.
Ability to assess and deliver sound credit decisions.
Proven track record of commercial loan portfolio growth.
Strong organizational skills and ability to provide superior customer service.
Bilingual or multilingual skills.

Responsibilities

Generate new commercial lending relationships and manage an existing client portfolio.
Grow the loan portfolio and increase penetration in the communities served.
Analyze current customers’ creditworthiness and the merits of existing loans, including by inspecting collateral and reviewing interim financial reports.
Understand customers’ and prospects’ business and personal needs to establish and negotiate credit terms.
Cross-sell other bank services.
Cultivate community relationships and promote the bank’s image and services.

Benefits

Medical, dental, vision, short-term disability, long-term disability, and life insurance.
20 days of paid time off, 11 paid holidays, and bereavement leave.
Educational assistance program.
Wellness benefits.
Life event coverage.
Paid family bonding leave.
Service awards.
Financial benefits, including a 401(k) match and stock purchase plan.
National and local discounts on computers, vacations, phones, retail shopping, and other items.
Logo wear discounts.
Free checking account and checks, and discounted bank services.