Banker Jobs in Winston-Salem, NC

Job Title

Under minimal direction, generates loans, deposits, fee income and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals.

Essential Job Functions

• Calls on existing and potential customers to develop new business and/or expand and retain current business
• Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services
• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
• Work closely with Credit partners in the administration of new and existing loan relationships
• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority
• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends
• Studies industrial, commercial, and financial situations relating to new or existing businesses
• Serve as a trusted advisor to customers
• Assists other Commercial Bankers, as needed
• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loans
• Represents the Bank in business development efforts and civic and community functions
• Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
• Monitors loan payments and coordinates collection activities for all past due loans
• Serves in other capacities as requested

Job Requirements

• Bachelor's degree in Business or related field or equivalent in education and experience
• Prior banking experience in commercial lending

Knowledge/Skills Required

• Knowledge of lending regulations, compliance procedures, and credit analysis
• Strong sales, written and oral communications and interpersonal skills
• Proficiency in Windows-based PC systems and banking software
• Excellent customer service skills
• Detail-oriented with ability to excel in high-volume environment
• Ability to perform effectively in fast-paced environment
• Knowledge of Microsoft Office, especially Word, Excel and Outlook

Physical and Mental Qualifications

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

Salary Pay Range: $90,135 - $156,800 annually

Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays