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United Bankshares
Commercial Banker IIIUnited Bankshares • Cayce, SC, United States
Commercial Banker III

Commercial Banker III

United Bankshares • Cayce, SC, United States
30+ days ago
Job type
  • Full-time
Job description

Commercial Banker III

The Commercial Banker's primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank's lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up.

Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers.

Maintain positive, professional relationships with customers and continue communication for growth of portfolio.

Production focused to build a book of business.

Analyze applicant's financial status, credit, and property evaluation to determine feasibility of loan request.

Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.

Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.

Actively participates in the Community by attending events and being active in organizations to promote the Bank's business products and services and build relationships.

Ensures loan closing and funding activities occur timely.

Identify complex situations, review related information to evaluate and develop an acceptable solution.

Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank's policies to remain working within the bank's policy guidelines.

Maintains knowledge of compliance requirements for banking. Handles all customer interactions and file records in compliance with federal and state regulations.

Maintains product knowledge for establishing full banking relationships with commercial customers.

Other duties and projects as assigned.

Bachelor's degree required, preferably in business, finance or another related field

Minimum of four (4) years of related experience in Commercial Banking is required.

Formal credit analysis training and working experience in applying is required

Proficiency in Microsoft Office Products is required

Ability to organize and analyze complex financial data is required

Knowledge and understanding of all federal and state regulations regarding lending and related departments and ability to stay current is required

Excellent analytical and mathematical skills and ability to make a credit decision is required

Excellent verbal and written communication skills is required

Demonstrated high level of professionalism and maturity is required

Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development is required

Minimal travel within assigned market is required

Relationship Building

Sales Driven

Self-Motivated

High Business Acumen

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Commercial Banker III • Cayce, SC, United States

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