Senior Commercial Banker or a Commercial Banker II

Tri Counties Bank•Bakersfield, CA

4d•Onsite

About The Position

The Senior Commercial Banker or Commercial Banker II role focuses on developing and acquiring new operating businesses with annual revenues between $10MM and $50MM. This position involves managing client relationships, presenting a variety of product solutions (Commercial Lending, Treasury Management, Merchant Services, etc.), and providing responsive, quality service. The role requires working with complex credits and maintaining a strong understanding of commercial credit policies and procedures. The company, Tri Counties Bank, is a well-established financial institution with a strong presence throughout California, emphasizing local banking and community engagement.

Requirements

High school diploma or equivalent, required.
5 years of Commercial Banking experience, or related advanced Business Development experience (for Senior Commercial Banker).
Proven Commercial Banking experience or related Business Development experience (for Commercial Banker II).
Exceptional knowledge of commercial credit policies and procedures.
Experience with the most complex credits and offers experience and risk knowledge on structuring credit (for Senior Commercial Banker).
CB II – experience with more complex business and C&I Credit structuring (for Commercial Banker II).
Advanced credit analysis and accounting skills (for Commercial Banker II).
Proven track record of success in a sales environment.
Excellent verbal and written communication skills.

Nice To Haves

Undergraduate degree preferred.

Responsibilities

Develops and acquires new operating business with annual revenues of $10MM to $50MM.
Manages client relationships within business segments and/or geographic areas.
Presents a variety of product solutions to meet client needs including Commercial Lending, Treasury Management, Merchant Services, and other related business services.
Provides responsive, quality service.
Works with the most complex credits.
Develops proactive calling schedule within designated segments and industry to prospective operating businesses.
Identifies business opportunities by learning prospect’s business, company or industry and their needs.
Self-acquires operating business through calling activities to COIs, prospective clients and assigned relationships.
Discusses and promotes all Bank products and services to establish complete client relationship.
Collaborates with business partners, bringing in product specialists, as necessary, to help problem solve or structure a transaction.
Negotiates transactions and prices products within targeted rate of return, working with Commercial Banking leadership or Credit Administration for approvals.
Exercises sound credit and risk judgment.
Ensures quality of all Bank business.
Collaborates with other Bank lines of business.
Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction.
Resolves all client needs and any internal issues.
Monitors and analyzes relationship plan results and account activities.
Determines client profitability.
Makes recommendations regarding accounts to be further developed or eliminated.
Prepares various reports for management.
Monitors portfolio for quality, risk, and adherence to policy.
Works closely with Portfolio Managers, Commercial Banking Leadership and Credit Administration to ensure sound portfolio management, client introductions and timely resolution of issues.
Maintains an awareness of competitive products, practices, rates, and changes in market areas.
Analyzes problem credits and meets with clients to develop solutions to minimize lost exposure.
Serves as a product specialist and a technical consultant to clients in various business segments and geographic locations.
Develops and conducts client and employee training sessions and informal updates.
Participates in civic and community affairs as appropriate.
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws.