Senior Commercial Banker

Simmons Bank•Dallas, TX

About The Position

The Senior Commercial Banker acquires, grows, and retains large, complex commercial relationships, potentially concentrating on C&I relationships. The role cross-sells the Bank’s other business lines through a focused, structured, client-focused business development plan. Success is measured by net new loans, fee income, referrals to other lines of business, and portfolio management, including asset quality. The position builds trusted-advisor relationships with commercial clients, evaluates complex credit requests, negotiates credit terms, and presents recommendations to the loan committee. It is responsible for the profitability and management of commercial relationships in its portfolio, including monitoring repayments, collections, and credit or collateral deficiencies. The banker also supports compliance with lending policies and applicable laws and regulations, contributes to team and Bank goals, and develops the Bank’s reputation through community involvement.

Requirements

Well-developed interpersonal and negotiating skills.
Highly developed sales skills.
Excellent written and verbal communication skills.
Basic accounting and credit skills.
Attention to detail and proven 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 and respond to questions in one-on-one, small-group, and larger-group settings, including presentations to managers, clients, customers, the public, and boards of directors.
Analytical ability to collect data and use experience and skills to make credit decisions.
Ability to speak clearly and persuasively, respond clearly to questions, and demonstrate presentation skills.
Ability to produce informative written materials and edit work for spelling and grammar.
Ability to balance individual responsibilities with team goals, contribute to a positive team environment, and support others.
Leadership ability, including confidence and motivating other team members.
NMLS registration is required.
Proficiency in 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, is preferred.
Experience in the local market is preferred to support understanding of the lending environment and potential customer base.
For a Senior Commercial Banker, five or more years of experience in a commercial banking function and significant experience in complex lending are preferred.

Responsibilities

Acquire, grow, and retain large, complex commercial client relationships through trusted-advisor relationship selling.
Develop and execute a structured client-focused business development plan and cross-sell the Bank’s commercial products, treasury management, employee benefits, and wealth management 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 assess borrower creditworthiness.
Present recommendations to the loan committee and demonstrate a deep understanding of credits presented.
Manage the profitability and overall portfolio of commercial relationships, which may include borrowing-base and construction-draw processes.
Monitor loan repayment, collect past-due accounts, and address credit and collateral deficiencies.
Maintain complete documented files and follow loan policies and procedures to support satisfactory internal and external audits.
Participate in business organizations, community events, and/or nonprofit organizations to advance the Bank’s reputation.
Meet individual goals and contribute to departmental and Bank-wide goals in a team-oriented environment.
Complete departmental documents and activities in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.