Commercial Banking Officer

Republic Bank Careers • West Chester, OH

3d

About The Position

The Commercial Banking Officer develops and manages business banking relationships in the Bank’s market, pursuing depository, lending, and fee-based opportunities. The role has production and growth goals for commercial and industrial (C&I), commercial real estate, and depository business, with a focus on operating companies generating $1 million to $10 million or more in annual revenue. The position is primarily focused on new business development and also manages commercial relationships, loan renewals, portfolio delinquencies, and cross-selling of company products and services.

The officer works with Treasury Management, Merchant Services, Credit Card, commercial credit analysts, senior management, customers, and referral sources. The role requires knowledge of Republic Bank’s credit culture and applicable compliance requirements, along with participation in community civic and nonprofit boards. Travel between Bank facilities and occasional out-of-town travel may be required; the schedule may include 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.
• Experience with working capital lines of credit and letters of credit.
• Experience working with the Small Business Administration and its loan programs.
• Proficiency in 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.
• Authorization to work for any employer in the United States; the Bank is unable to sponsor or take over sponsorship of an employment visa.

Responsibilities

• Source, develop, and document calls on prospective customers and referral sources to develop new business.
• Manage commercial banking relationships, including analyzing business financials and understanding clients’ businesses, income statements, and balance sheets.
• Negotiate and structure new loan terms and manage loan 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 commercial credit analyst evaluation.
• 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, learn new regulations, and assist 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.

Benefits

• The company describes opportunities to learn different aspects of the company in preparation for future advancement.
• The company has been named one of the Best Places to Work in Kentucky for ten years.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed