Senior Commercial Banker

Simmons Bank•Dallas, TX

About The Position

The Senior Commercial Banker acquires, grows, and retains large, complex commercial relationships and cross-sells the Bank’s other business lines through a structured, client-focused business development plan. The position may concentrate on commercial and industrial (C&I) relationships. Success is measured by net new loans, fee income, referrals to other lines of business, and portfolio management, including asset quality. The role serves as a trusted advisor to commercial clients, structures and negotiates commercial credit, assesses borrower creditworthiness, presents recommendations to loan committee, and manages the profitability and overall quality of a portfolio. The banker also develops community relationships, contributes to team and Bank goals, and ensures work complies with applicable laws, regulations, policies, and procedures.

Requirements

Five or more years of experience in a commercial banking function is preferred for the Senior Commercial Banker role.
Significant experience in complex lending is preferred.
NMLS registration is required.
Well-developed interpersonal and negotiating skills.
Highly developed sales skills.
Excellent written and verbal communication skills.
Basic accounting and credit skills.
Detail orientation and proven ability to multitask.
Ability to read and interpret procedure manuals, business correspondence, journals, and government regulations.
Ability to read, analyze, and interpret financial reports and legal documents.
Ability to write routine reports and business correspondence.
Ability to present information effectively to individuals, small groups, managers, clients, customers, the general public, and boards of directors, and to respond to questions.
Analytical ability to collect data and use experience and skills to make credit decisions.
Ability to communicate clearly and persuasively, present information, and respond clearly to questions.
Ability to produce informative written material and edit work for spelling and grammar.
Ability to balance individual responsibilities with team goals, contribute to a positive team environment, and support others.
Confidence and ability to motivate other team members.
Proficiency with MS Office programs and lending computer software.

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.

Responsibilities

Acquire, grow, and retain large, complex commercial relationships through relational selling and a structured business development plan.
Advise commercial clients on opportunities and risks and help them accomplish their goals through the Bank’s products and services.
Establish and negotiate terms for large commercial credit, including cost, risk, profitability, method, schedule, and collateral requirements.
Review and analyze complex financial information to determine borrowers’ creditworthiness.
Present recommendations to loan committee and demonstrate a deep understanding of the credits presented.
Manage the profitability of all commercial relationships within the portfolio.
Manage the portfolio, which may include borrowing base and construction draw processes.
Monitor loan repayments, collection of past-due accounts, and credit or collateral deficiencies.
Follow loan policies and procedures and maintain complete, documented files for internal and external audits.
Cross-sell commercial products, treasury management, employee benefits, and wealth management services.
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 documentation in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.