Commercial Banker - Business Banking

Commercial Banker - Business Banking

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 of less than $1 million.

Analyze markets to develop new prospects for loans.

Maintain and develop positive, professional relationships with customers and continue communication for growth of portfolio. Foster customer relationships through routine calls and meeting activity and develops new Commercial Banking relationship opportunities through business development activities.

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.

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.

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.

Maintain a deep understanding of banking products / services to make appropriate recommendations.

Administer all referrals and direct meetings and business development opportunities.

Ensure compliance to all standards and policies and ensure secure transaction for customers.

Exercises advanced proficiency with routine client maintenance requests, problem resolution and advanced sales functions regarding deposit, credit, convenience and other product and service lines.

Bachelor's degree preferred, with a focus in business, finance, or another related field

Minimum two (2) years of related Banking experience, preferably as a Commercial Lender or Portfolio Manager, is required.

Demonstrated ability of holding effective and successful business relationships is essential

Must have formal credit analysis training or sufficient lending experience

Proficiency in Microsoft Office Products is required

Demonstrated ability to grow and management customer relationships

Ability to organize and analyze complex financial data

Knowledge and understanding of all federal and state regulations regarding lending and related departments.

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

Excellent verbal and written communication skills

Demonstrated high level of professionalism and maturity

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

Minimal travel within the assigned market is required.

Relationship Building

Sales Driven

Self-Motivated

High Business Acumen

Sitting or standing for extended periods of time.

Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.

Ability to converse and exchange information with all levels of staff within organization.

Ability to observe, perceive, identify, and translate data

Ability to travel via air, rail, automobile and / or bus.

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

Huntington, WV, US, 25702