Commercial Banking Officer

Republic Bank•West Chester Township, OH

11d

About The Position

The Commercial Banking Officer calls on business banking clients in the Bank’s market to identify depository, lending, and fee-based opportunities. The position is responsible for C&I, commercial real estate, and depository production and growth goals, with target clients generally being operating companies with annual revenue of $1 million to $10 million and higher. The officer develops new business, manages commercial banking relationships and loan portfolios, structures and renews loans, and works with internal teams to develop additional banking opportunities. The role also requires maintaining customer and referral-source relationships, supporting past-due loan collection, obtaining annual financial statements for credit analysis, and learning and applying Republic Bank’s credit culture. The officer must maintain knowledge of applicable compliance requirements and model behaviors consistent with the Bank’s values and culture. Travel between banking facilities, including occasional out-of-town travel, may be required. A flexible schedule may include some evenings, weekends, or overtime.

Requirements

At least 5 years of banking experience, including at least 1 year of direct business lending experience.
Proficient knowledge and ability in underwriting business loans involving commercial real estate, accounts receivable, inventory, and equipment.
Previous experience with working capital lines of credit and letters of credit.
Previous experience working with the Small Business Administration and its loan programs.
Proficiency with Microsoft Office products and internet applications.
Excellent verbal and written communication skills for effective client interactions.
Ability to understand financial analysis and communicate effectively with clients and senior management.
Self-motivated and able to work in a team environment.
High energy level and strong sense of urgency.
Ability to manage and prioritize multiple tasks.
Ability to recommend practical approaches using innovation, good judgment, creativity, and strategic thinking.
Must be authorized to work for any employer in the United States; visa sponsorship is not available.

Responsibilities

Source, develop, and document calls on prospective customers and referral sources to generate new business.
Manage commercial banking relationships, analyze business financials, and understand clients’ businesses, income statements, and balance sheets.
Negotiate and structure new loan terms and manage renewal opportunities.
Work with Treasury Management to identify and structure depository opportunities.
Manage portfolio delinquencies within the assigned and/or developed portfolio.
Work with Merchant Services and Credit Card associates to develop opportunities.
Participate in the community through volunteerism on civic and nonprofit boards.
Support collection of past-due loans.
Obtain annual financial statements for evaluation by commercial credit analysts.
Respond to referrals from Bank senior management, the company, and others.
Maintain and enhance relationships with Bank customers and referral sources.
Cross-sell company products and services.
Learn Republic Bank’s credit culture and present appropriate credits for approval.
Maintain working knowledge of compliance requirements and learn new regulations, assisting with implementation when required.
Model and foster behaviors that support the Bank’s values and corporate culture.
Perform other duties and projects as assigned.
Stay abreast of new developments, best practices, and statutory and regulatory changes.