Senior Commercial Banker

MidCountry Bank • Hastings, MN

11d • Onsite

About The Position

The commercial banker is responsible for developing new commercial relationships as well as maintaining the existing portfolio through proactively managing the portfolio and building relationships.

Requirements

• Bachelor's Degree in Business, Finance, Accounting or related field or equivalent work experience with increasing responsibility
• 8-12+ years related experience with proven track record of managing large deals and complex customers

Nice To Haves

• Ongoing education such as banking school or Master's Degree

Responsibilities

• Meet or exceed fiscal year loan production goals (set annually)
• Attracting, growing and retaining long term profitable customer relationships
• Develops and maintains a qualified prospect list and active center of influence referral network.
• Identifies product opportunities independently. Sells full set of products offered by the Bank
• Establishes and maintains customer relationships by staying current with industry trends in order to meet expectations of changing demands in the marketplace
• Researches potential customers, keeps up-to-date on key competitors, understands and responds to the needs and expectations of relevant customer segments, establishes effective working relationships with prospects to gain their respect; and identifies opportunities presented by changes in the marketplace.
• Develops sales/referral strategy for expanding relationships with customers and prospects
• Leads business development efforts for introducing customers to bank leaders and other internal partners for relationship deepening and cross-selling opportunities.
• Meet or exceed Quality Goal: Percentage of Past Due (30+) < 1.5%; Technical Exceptions <5; Annual Reviews <3
• Partners effectively with credit officers as the first level sponsor for credit decisions.
• Leads and participates in credit processes and assumes ultimate accountability for all portfolio activities/issues ensuring sound asset quality, including underwriting, structuring and portfolio management activities, including: Reviews and analyzes customer financial status and risk condition to prepare recommendations and
• Ensures accurate loan documentation
• Manages loan portfolio to ensure loan conformity and accurate risk ratings,
• Completes renewals in a timely manner
• Manages the tickler system, past dues, and customer overdrafts
• Maintains working knowledge of laws and regulations in order to ensure tasks completed are compliant
• Partners with credit analysts to prepare and maintain reports required by management and/or other regulators in a timely and accurate manner.
• Builds community relationships to grow business and expand relationships
• Foster Relationships with centers of influence, including Accounting and Law Firms, etc.
• Coach, mentor and develop less experience commercial bankers.
• Assist the manager by effectively leveraging the collective skills & resources of the team to achieve maximum productivity, efficiency and development.
• May supervise 1-2 less experienced bankers.

Benefits

• Health Insurance with two medical plan options as well as dental and vision options.
• Employer matched 401(k) plan.
• Company-paid life insurance, AD&D and short and long-term disability. Team members can also purchase additional life and AD&D insurances.
• Paid Time Off and all Federal holidays observed.

What This Job Offers

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