Community Banker/Commercial Lender

MARIES COUNTY BANK•Jefferson City, MO

29d

About The Position

The Community Banker/Commercial Lender is responsible for developing, managing, and growing a portfolio of commercial and small business relationships. This role focuses on credit analysis, loan structuring, relationship management, and community engagement while ensuring compliance with bank policies and regulatory requirements. Upholding customer confidentiality is a must.

Requirements

Bachelor’s degree in finance, business management, or equivalent business experience preferred.
Five years prior experience in a financial institution or lending setting preferred.
Knowledge of local market and business community.
A working knowledge of commercial credit analysis and the bank’s services.
Proven ability to build and maintain client relationships.
Knowledge of the bank’s departmental operations, policies, procedures, and compliance regulations preferred.
Proven sound judgement and risk awareness.
Ability to analyze financial statements and loan risk.
Knowledge of computer systems and changing technology, including word-processing, spreadsheets, Internet, and internal bank software.
Prior experience in a customer service environment preferred.
Previous cross-selling and sales experience preferred.
Demonstrated aptitude for accuracy with numbers.
Ability to plan, prioritize, meet deadlines, manage multiple tasks, and work under pressure.
Demonstrated problem solving and decision making abilities.
Excellent oral and written communication skills to communicate across a broad base of internal customers.
Ability to concentrate on complex projects.
Excellent human relations/customer service skills to effectively interact with customers and co-workers.
Self-motivated and results oriented.

Responsibilities

Actively calls on prospective commercial and small-business customers and referral contracts.
Develops a well-balanced loan portfolio by calling on new customers and prospects to build relationships with realtors, builders, developers, and other potential referral sources.
Proactively identifies new lending opportunities within the community.
Participates in community and networking events to enhance the bank’s visibility and reputation.
Interviews loan applicants to develop information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
Ensures all required information is completed on loan applications and orders credit reports for both in-house and commercial market loans.
Makes decisions on loans, balancing profitability and risk, and determines if the loan is within lending limits and prescribed guidelines.
Originates quality loans and actively cross-sells bank services to customers.
Notifies applicants of loan decisions and corresponds with customers, applicants, or creditors to resolve questions with application information.
Prepares loan packages in accordance with financial standards, policies, and procedures.
Participates in, attends, and provides loan status reports at weekly loan committee meetings.
Performs loan collection activities such as correspondence, telephone contacts, personal visits, and repossessions.
Manages delinquent account files for the financial institution by collecting overdue payments, negotiating with delinquent borrowers for reinstatement, and creating foreclosure notices.
Conducts appraisals and inspections of collateral as requested.
Maintains a working knowledge of the bank’s lending policies and procedures and attends various educational programs to keep abreast of new loan and banking trends, policies, and procedures.
Reviews the non-post items report on a daily basis.
Works with federal and state examiners as well as, outside independent auditors in their regular official examinations of the bank.
Attends educational programs and training sessions to keep abreast of new loan and banking trends, regulations, policies, and procedures.
Uses problem-solving and team building skills to resolve difficult customer issues.
Follows bank policies and procedures, including state and federal regulations at all times.
Maintains departmental appearance, both personal and general.
Serves customers in a cordial and professional manner to ensure customer satisfaction with service provided by the bank and upholds customer service guidelines.
Takes advantage of opportunities to promote the Bank when involved in voluntary community activities and civic organizations to cross sell the Bank’s products and services.
Assists in other departments as needed and acts as a resource to other departments regarding lending issues.
Completes other duties as assigned.