Commercial Banking Officer

Commercial Banker

Small enough to care. Big enough to deliver.

Our Commercial Bankers are responsible for business development and portfolio management of commercial banking relationships. Coordinates business development efforts with other officers across lines of business. Collaborates with credit and operations colleagues to underwrite, originate, service, monitor, and collect commercial purpose loans and grow depository, Treasury Management, and Wealth Management relationships. Assumes a visible leadership role by serving the community and the bank as a role model of our operating principles.

Responsibilities

Client Retention and Revenue Generation

At MidWestOne, our mission is to take good care of our customers and those who should be.

• Maintain regular, proactive contact with customers and prospective customers to maintain a deep understanding of their business, including current performance, outlook and goals.
• Create and nurture a network of centers of influence, including accountants, attorneys, and other professionals.
• Collaborate with all areas of the bank to be highly responsive to answering customer questions and resolve issues.
• Conduct joint calls with other officers, including other lines of business, to retain and expand the bank's relationship.
• Advocate effectively and ethically for the Bank to the client and for the client to the Bank. Communicate effectively with Borrowers and prospective Borrowers to ensure understanding of Bank's views, expectations, and requests. Communicate in an effective and timely way internally with other Bank departments including Credit Administration to support having an accurate understanding of the revenue opportunities and risk dynamics of customer and prospective customer relationships.
• Grow bank's revenue in a relationship-based approach through generation of the following :
• high quality loan outstanding to current and new customers
• new deposit fundings with particular emphasis on being the primary depository for clients, including non-interest bearing accounts and personal deposit accounts of the employees of Commercial Banking customers
• generation of loans fees and other non-interest income including Treasury Management and Wealth Management services
• qualified referral introductions for all lines of business
• Maintain record of customer contact and business development activities and results through Bank's CRM software and reporting systems.

Risk Management

Second only to hiring decisions, client selection is the most important choice made by a commercial bank.

Qualifications

The Perks!

RISE stands for Retention, Innovation, Support, and Empowerment. Through RISE we aspire to create and sustain a culture of respect and belonging that is reflected in the workplace and the communities we serve.

Let's build something great, together.