Commercial Banker

Overview :

The Commercial Banker I plays a crucial role in managing and developing relationships with small to mid-sized businesses generating less than $25 million in gross sales. This position collaborates closely with the sales team to establish, build, and sustain strong banking relationships, ensuring the overall success and growth of the assigned sales territory. As the primary relationship manager, the banker represents the bank in all client interactions, overseeing the credit process, including credit underwriting, portfolio management, risk identification, and compliance with loan covenants. Responsibilities also encompass ongoing portfolio management, collateral monitoring, and ensuring alignment with the bank's risk and credit grading standards. The role requires individual initiative and effective teamwork to achieve business objectives.

Principal Duties and Responsibilities :

• Consistently meets and exceeds individual and / or team sales goals, including deposits, loans, and other applicable metrics.
• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to achieve or surpass the Bank's strategic goals.
• Independently analyzes credit worthiness, conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to preliminarily determine potential credit worthiness.
• Generates proposals and develops sales strategies at an expert level.
• Develops, expands, and maintains referral sources.
• Documents the relationship management process.
• Collaborates with clients to analyze issues and propose solutions.
• Acts as the client's advocate in securing suitable credit and cross-selling products and services.
• Structures and completes secured and unsecured business loans.
• Evaluates business, management, industry, financial, and structural risks, documenting assessments in credit approval documents.
• Organizes and leads intricate sales initiatives, including creating complex, customized proposals.
• Works to cultivate and sustain strong relationships with all partners.
• Maintains expert-level knowledge of all bank products and services.
• Participates in special projects as required.
• Actively engages in community organiz ations and activities.

Qualifications :

Education :

Special information to candidates :