Commercial Banker

Hills Bank•Coralville, IA

About The Position

The Commercial Banker develops, manages, and grows long-term relationships with prospective and existing business customers. The role sources and originates quality commercial loans, including commercial real estate (CRE), commercial and industrial (C&I), and agricultural loans depending on the market, and identifies additional ways to support customers through deposit, mortgage, wealth management, and treasury management solutions. The Commercial Banker serves as a trusted advisor to business owners, helping them pursue financial goals while strengthening the bank’s local presence and reputation. Training varies according to the candidate’s experience level. The position develops new business through sales calls, community involvement, networking, referrals, and cross-selling bank products and services. It also originates and manages loans, evaluates applications and supporting financial information, facilitates loan terms and approvals, supports timely closings and collections, and maintains portfolio profitability, credit quality, and documentation.

Requirements

Bachelor’s degree from a four-year college or university in business, including coursework in accounting, finance, and economics; or 2–3 years of banking experience and/or training; or an equivalent combination of education and experience.
Computer skills and ability to use typical office equipment.
Must sign a non-compete.

Responsibilities

Participate in individual and joint sales calls, business development activities, community organizations, and local business groups, and promote the bank’s image.
Establish and maintain relationships with businesses and organizations to provide information about the bank’s lending programs.
Seek new business by presenting, selling, and cross-selling appropriate bank products, and follow up promptly to ensure quality service.
Refer customers to Treasury Management, Mortgage, Retail, and Wealth Management departments.
Coordinate customers’ personal banking needs with Home Mortgage, Wealth Management, or Retail Bankers, while serving as relationship manager for commercial and professional customers.
Network with guests at bank-sponsored events and provide leadership for several such events each year.
Originate loans within bank policy to achieve growth goals.
Interview loan applicants; obtain application information, appraisals, financial statements, credit reports, and other materials; analyze financial status, credit, and collateral; and resolve questions about application information.
Meet portfolio profitability goals, compile loan packages, negotiate credit terms, refer loans to the loan committee for approval, ensure agreements comply with policy, and support timely loan closing and funding.
Use government programs when appropriate to meet customers’ credit needs.
Participate in loan collection procedures, support timely collection of delinquent accounts, and develop revised repayment terms or schedules when necessary.
Maintain portfolio credit quality and complete, accurate loan documentation.
Make loan and credit-term decisions within lending limits or make recommendations to the Senior Loan Committee.
Stay informed about regulations, policies, procedures, and economic trends.