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 relational business development. Success is measured by net new loan and deposit growth, fee income, referrals to other business lines, and portfolio management, including asset quality. The role serves small and mid-size commercial clients as a trusted advisor, helping them identify opportunities and risks and meet their goals through Simmons Bank products and services. The position evaluates and structures commercial credit, reviews financial information and customer creditworthiness, supports loan committee recommendations, manages portfolio profitability and credit quality, and develops comprehensive banking relationships. It also involves community participation, collaboration toward individual and Bank goals, and compliance with applicable laws, regulations, policies, and procedures.

Requirements

For the Senior Business Banker level, five or more years of lending experience with strong, developed sales skills are preferred.
NMLS registration is required.
Well-developed interpersonal and negotiating skills.
Excellent written and verbal communication skills.
Basic accounting, credit, and sales skills.
Attention to detail and the ability to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, and/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 present information effectively in one-on-one and small-group situations, and to groups of managers, clients, customers, the general public, and/or boards of directors.
Time-management skills and strong leadership skills, including the ability to motivate and lead others.
Ability to perform in a sales environment.

Nice To Haves

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

Responsibilities

Acquire, grow, and retain a large base of key business relationships through relational business development.
Advise small and mid-size commercial clients on opportunities, risks, and Simmons 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 assess customer creditworthiness.
Present recommendations to the loan committee as appropriate and demonstrate a thorough understanding of credits presented.
Manage the profitability of commercial relationships within the portfolio.
Monitor loan repayments, collect past-due accounts, and address credit and collateral deficiencies.
Follow loan policies and procedures and maintain complete, documented files for satisfactory internal and external audits.
Refer clients to other bank products and services, including commercial loans and deposits, 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 and Bank-wide goals.
Complete departmental activities and required compliance training in accordance with applicable laws, regulations, policies, and procedures.
Perform other duties and responsibilities as assigned.