Commercial Banker

Hancock Whitney Bank•Plano, TX

About The Position

The Commercial Banker manages, retains, and expands existing business relationships; develops new business; and services a variety of commercial relationships. The role grows revenue through prospecting and by retaining and expanding customer relationships. It manages a portfolio of up to 75 clients with credit outstanding up to $100 million. Business development typically focuses on businesses with sales of $2 million to $25 million in the bank’s targeted industries. The banker operates within individual authority levels and follows established guidelines for credit pricing, terms, and structure. The role solicits commercial loan and deposit relationships, develops and executes a business development plan, and maintains a disciplined customer contact schedule. It identifies cross-selling opportunities, markets a broad range of financial products, and works with internal teams to meet customers’ business objectives. The banker partners with commercial underwriting to assess credit risk and structure appropriate credit solutions, monitors portfolio quality, and coordinates complete loan packages for approval. The position also cultivates prospects through referrals, networking, and community relationships, and may assist Group Managers with strategic planning projects.

Requirements

Bachelor’s degree; a major in Accounting or Finance is preferred.
Minimum 5–7 years of relationship management experience selling banking products.
Extensive knowledge of credit and non-credit products.
Proficiency in credit underwriting and prior credit experience, including financial analysis.
Knowledge of commercial loan products and lending and compliance regulations.
Ability to lift, move, or carry approximately 30 pounds when required to perform essential job functions, subject to reasonable accommodation.

Nice To Haves

Bachelor’s degree majoring in Accounting or Finance.

Responsibilities

Solicit new and prospective loan and deposit relationships for the bank.
Develop and execute a business development plan to achieve established goals and objectives.
Follow a disciplined contact schedule to promote client satisfaction, retain clients, attract profitable relationships, and serve as a trusted financial partner through needs-based solutions.
Identify cross-selling opportunities for assigned relationships and market a broad range of financial products to clients and prospects.
Build internal relationships with Product Management, Treasury Management, Credit Underwriting, and other departments to support customers’ business objectives.
Guide and assist less experienced Commercial Bankers in understanding bank products, services, credit standards, pricing parameters, business development programs, and automated systems.
Partner with Commercial Underwriters to assess customer credit risk and structure credit solutions within acceptable risk guidelines.
Identify client needs and offer appropriate bank products and services.
Cultivate prospects through referrals, networking, professional organizations, social contacts, and community relationships.
Develop customer relationships through calling and customer support activities.
Monitor loan portfolio credit quality, ensure loans are current and conform to terms, and identify and manage risks promptly.
Analyze customer credit status or obtain central underwriting approval and documentation to maintain portfolio quality and yield.
Use the automated business development system to manage calling programs, schedule appointments, develop customer profiles, identify cross-sales opportunities, follow up with customers, and book new business.
Keep abreast of industry, competitor, financial market, and other changes that may affect the portfolio or department.
Assemble financial information and coordinate complete loan packages for approval presentation.
Assist Group Managers with strategic planning projects, including budgeting, process improvement, growth, and quality initiatives.
Perform other duties and special projects as assigned by Senior Management.
Comply with applicable federal, state, and local banking and industry laws and regulations, including the Bank Secrecy Act.