CRE Commercial Banker III

Simmons Bank • Memphis, TN

13d

About The Position

The CRE Banker is focused on acquiring, growing, and retaining large, more complex commercial relationships while cross-selling the Bank’s other business lines through a focused and structured client-focused business development plan. This position will concentrate in CRE relationships. Key measurements of success are net new loan, fee income, referrals to other lines of business, and portfolio management including asset quality. Bankers in this position are expected to manage a CRE portfolio above $50M. The role involves a strategic focus on large, complex commercial client activity through relational selling as a trusted advisor to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of the Bank’s products and services. It includes establishing and negotiating the terms under which large commercial credit will be extended, determining cost, risk, and profitability, and setting method, schedule, and collateral requirements. The position requires reviewing and analyzing complex financial information to determine a borrower’s creditworthiness, presenting recommendations to loan committee, and exhibiting a deep understanding of credits presented. The CRE Banker is responsible for the profitability of all commercial relationships within the portfolio and for ultimate portfolio management, which may include borrowing base and/or construction draw processes. This includes monitoring loan repayment activities, collecting past due accounts, and addressing credit and collateral deficiencies. Adherence to loan policies and procedures with complete documented files is essential to ensure satisfactory reviews from internal and external audits. The role actively cross-sells other bank products, such as all commercial products, treasury management, employee benefits, and wealth management services to build deep banking relationships. It also requires active community involvement through membership in business organizations, community events, and/or non-profit organizations to advance the Bank's reputation. The ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and Bank-wide goals are met is crucial. The CRE Banker sets and achieves challenging goals without direct supervision and contributes to a positive team spirit. Ensuring all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures, including completion of required compliance training, is also a key responsibility. Other duties and responsibilities as assigned.

Requirements

• Well-developed interpersonal and negotiating skills.
• Highly developed sales skills.
• Excellent written and verbal communication skills.
• Basic accounting and credit skills.
• Detail-oriented and proven ability to multi-task.
• Ability to read and interpret documents such as procedure manuals, general business correspondence, journals, or government regulations.
• Ability to read, analyze, and interpret financial reports and/or legal documents.
• Ability to write routine reports and business correspondence.
• Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, the general public, and/or boards of directors.
• Proficiency in MS Office programs.
• Proficiency in lending computer software.
• NMLS required.
• Analytical skills: ability to collect data and use experience and skill set to make credit decisions.
• Oral communication skills: ability to speak clearly and persuasively, respond clearly to questions, and demonstrate presentation skills.
• Written communication skills: written material is informative, edits work for spelling and grammar.
• Teamwork: balances individual responsibilities and team goals, contributes to building a positive team environment, and provides support for others when needed.
• Leadership: exhibits confidence and motivates other team members.

Nice To Haves

• A Bachelor’s degree in business, finance, or a related field, or relevant job experience.
• Experience in the local market for better understanding of the lending environment and potential customer base.
• Two to four years minimum experience in a CRE commercial banking function.
• Significant experience in complex lending.

Responsibilities

• Acquire, grow, and retain large, more complex commercial relationships.
• Cross-sell the Bank’s other business lines through a focused and structured client-focused business development plan.
• Manage a CRE portfolio above $50M.
• Engage in relational selling as a trusted advisor for large, complex commercial client activity.
• Establish and negotiate terms for large commercial credit extensions, including cost, risk, profitability, method, schedule, and collateral requirements.
• Review and analyze complex financial information to determine borrower creditworthiness.
• Present recommendations to loan committee and demonstrate a deep understanding of credits presented.
• Manage the profitability of all commercial relationships within the portfolio.
• Perform portfolio management, including borrowing base and/or construction draw processes.
• Monitor loan repayment activities, collect past due accounts, and address credit and collateral deficiencies.
• Adhere to loan policies and procedures with complete documented files.
• Actively cross-sell other bank products (commercial products, treasury management, employee benefits, wealth management services).
• Become active in the community through membership in business organizations, community events, and/or non-profit organizations.
• Meet individual goals and contribute to a team-oriented environment.
• Set and achieve challenging goals without direct supervision.
• Ensure compliance with applicable laws, regulations, policies, and procedures, including completing required compliance training.

Benefits

• Equal employment opportunity with respect to race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior