Senior Business Banker

Simmons Bank•Maryville, TN

19d

About The Position

A Senior Business Banker acquires, grows, and retains key business relationships and cross-sells the bank’s other business lines in local markets through a relational business development plan. Success is measured by net new loan and deposit growth, fee income, referrals to other lines of business, and portfolio management, including asset quality. The role focuses on small and mid-size commercial clients, serving as a trusted advisor who helps clients recognize opportunities and risks and meet their goals through Simmons Bank products and services. The banker establishes and negotiates commercial credit terms, reviews financial information to assess creditworthiness, manages portfolio profitability and loan repayment, and refers clients to other bank products and services. The position also involves community participation, compliance with applicable requirements, and contributing to individual, team, departmental, and bank-wide goals.

Requirements

For the Senior Business Banker level, five years or more of lending experience with developed sales skills is preferred.
NMLS registration is required.
Well-developed interpersonal and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Detail-oriented with the ability to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, government regulations, financial reports, and legal documents.
Ability to write routine reports and business correspondence.
Ability to present information effectively in individual, small-group, and larger group settings and respond to questions.
Strong time-management and leadership skills, including the ability to motivate and lead others.
Ability to perform in a sales environment.
MS Office skills.

Nice To Haves

A bachelor’s degree in business, finance, a related field, or relevant job experience is preferred.
Experience in the local market is preferred to support understanding of the lending environment and potential customer base.
Experience with lending computer software is preferred.

Responsibilities

Acquire, grow, and retain key business relationships through a relational business development plan.
Develop commercial client relationships as a trusted advisor, helping clients identify opportunities and risks and achieve their goals using bank products and services.
Establish and negotiate commercial credit terms, including cost, risk, profitability, method, schedule, and collateral requirements.
Drive deposit and loan growth and identify and refer SBA opportunities.
Review and analyze financial information to determine customer creditworthiness.
Present recommendations to the loan committee when applicable and demonstrate a thorough understanding of credits presented.
Manage the profitability of commercial relationships within the portfolio.
Monitor loan repayment, collection of past-due accounts, and credit and collateral deficiencies.
Follow loan policies and procedures and maintain complete documented files for internal and external audits.
Refer customers to commercial loan and deposit products, treasury management, mortgage, employee benefits, wealth management, and related retail products.
Participate in business organizations, community events, and/or nonprofit organizations to advance the bank’s reputation.
Meet individual goals and contribute to team, departmental, and bank-wide goals; set and achieve goals without direct supervision and support a positive team environment.
Ensure departmental documents and activities comply with applicable laws, regulations, policies, and procedures, including completion of required compliance training.
Perform other duties and responsibilities as assigned.