Corporate Banker

b1BANK•Houston, TX

About The Position

The Corporate C&I Banker is a senior-level relationship manager responsible for developing, managing, and expanding a portfolio of complex commercial and industrial banking relationships. The role serves as a trusted financial advisor to middle-market and privately held businesses, delivering customized lending, deposit, treasury management, and other financial solutions. The Corporate Banker is expected to generate significant loan and deposit growth while maintaining strong credit quality and adhering to the Bank's policies, procedures, and regulatory requirements.

Requirements

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field; equivalent banking experience may be considered in lieu of a degree.
At least 10 years of commercial lending, C&I banking, relationship management, or credit underwriting experience.
Demonstrated success developing and managing significant commercial banking relationships.
Advanced knowledge of commercial credit analysis, underwriting, and loan structuring.
Strong understanding of business financial statements, tax returns, and cash flow analysis.
Experience presenting complex credit transactions to senior credit officers and loan committees.
Proven track record of achieving loan, deposit, and fee income production goals.
Strong negotiation, communication, and relationship management skills.
Proficiency with Microsoft Office applications and commercial banking systems.

Responsibilities

Develop and maintain a portfolio of commercial relationships, including privately held businesses, professional firms, nonprofit organizations, and other commercial clients.
Prospect for new business through networking, centers of influence, community involvement, referrals, and targeted calling.
Generate profitable loan, deposit, treasury management, and fee income growth consistent with strategic objectives.
Serve as the primary point of contact for commercial clients and provide relationship management and consultative financial advice.
Develop relationship strategies to deepen and expand client relationships across multiple product lines.
Maintain a consistent calling program for existing and prospective commercial clients.
Structure, negotiate, and originate complex commercial loans, including lines of credit, working capital facilities, equipment financing, owner-occupied real estate loans, acquisition financing, SBA loans when applicable, and other commercial credit facilities.
Analyze financial statements, tax returns, cash flow projections, collateral valuations, and industry trends to assess credit risk.
Prepare and present credit requests and relationship strategies to credit administration and loan committees.
Monitor portfolio performance and proactively identify emerging credit concerns.
Ensure loan relationships comply with applicable covenants, policies, and regulatory requirements.
Maintain acceptable loan quality metrics, past-due levels, and exception reporting standards.
Partner with Treasury Management officers to identify and deliver cash management solutions.
Promote deposit growth through operating accounts, money market accounts, and related commercial deposit products.
Identify opportunities for merchant services, payment solutions, and other fee-based products.
Maintain an active presence in the local business community and participate in civic, professional, and community organizations.
Mentor and serve as a resource to junior Commercial Bankers and Credit Analysts.
Collaborate with Wealth Management, Treasury Management, Mortgage, and Private Banking teams to deliver comprehensive client solutions.
Adhere to Bank policies, procedures, and regulatory requirements and maintain knowledge of banking regulations, commercial lending standards, and industry best practices.
Use sound judgment to balance client needs with risk management practices and ensure internal controls for lending and relationship management activities operate effectively.