Commercial Banker

Hancock Whitney•Plano, TX

18h

About The Position

Responsible for managing, retaining, and expanding existing business relationships; developing new business; and servicing commercial relationships. The role grows revenue by prospecting for new business and 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 targeted industries. The banker operates within individual authority levels determined by senior management and negotiates in accordance with established guidelines for credit pricing, terms, and structure. The role solicits loan and deposit relationships, executes business development plans, identifies cross-selling opportunities, and works with internal partners to meet customers’ business objectives. It assesses credit risk with Commercial Underwriters, structures appropriate credit solutions, monitors portfolio quality, coordinates loan packages, and maintains knowledge of industry, competitor, and financial-market changes. It may also assist Group Managers with strategic planning projects and provide guidance to less experienced Commercial Bankers. The incumbent must comply with applicable banking laws and regulations, including the Bank Secrecy Act.

Requirements

Bachelor’s degree; Accounting or Finance major 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

Accounting or Finance major.

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.
Maintain a disciplined contact schedule to promote client satisfaction, retain clients, and attract long-term profitable relationships.
Identify cross-sell opportunities and market a broad range of financial products to assigned clients and prospects.
Build internal relationships with Product Management, Treasury Management, Credit Underwriting, and other departments to support customers’ business objectives.
Provide guidance and assistance to less experienced Commercial Bankers on bank products, services, credit standards, pricing parameters, and business development programs and 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 calls 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.