1 Commercial Banker I Job in Newport, VA
southern bank and trust is Hiring a Commercial Banker I Near Newport, VA
Reports To This Position: None
Role Summary:
Specific Job Functions (Duties/Responsibilities):
- Solicit, originate, underwrite and approve Small Business and Commercial Loans, Mortgage Loans and Leases within assigned authority and present recommendations to Loan Committee for higher amounts.
- Make sound credit decisions based on Bank lending policy.
- Analyze and underwrite credit requests fully to understand client need and to protect Bank asset quality.
- Insure all loans made or rejected comply with laws and regulations.
- Insure accurate, proper and complete loan documentation on all loans (review all documents completed by loan officer assistant or a closing attorney).
- Administer rates fairly and price according to bank policy for risk and credit quality.
- Develop business through an active calling program and community involvement.
- Establish commercial loan and business development goals with Supervisor.
- Identify target loan clients.
- Join and be active in key civic clubs and/or area Chamber of Commerce.
- Join and be active in community development projects/committees.
- Actively sell and cross-sell the Banks products and services in a professional manner, inside as well as outside the Bank.
- Work with retail or branch staff to refer consumer loans and deposits per needs identified.
- Introduce Clients to other Bank business services specialists as needed to fully meet client needs.
- Maintain current knowledge of all Bank services and products.
- Proactively manage and service both new and existing (or assigned) loan portfolios to ensure a minimum of delinquencies, substandard loans and documentation exceptions.
- Collect past due loans and work to resolve any workout loan situations.
- Actively monitor past due accounts and communicate and coordinate resolutions to any past due and workout situations with Credit Administration.
- Anticipate maturities, obtain financials and renew loans on time.
- Perform other duties as assigned.
JOB REQUIREMENTS:
Knowledge/Skills/Abilities Required:
- The ability to schedule, prepare for and conduct professional business development calls on customers and prospects. Ability to organize and schedule daily appointments.
- Ability to analyze commercial and small business financials and tax returns, and to underwrite loan requests.
- Knowledge of the types of loans and loan documentation utilized at Southern Bank.
- A thorough working knowledge of Southern Bank lending policy.
- Knowledge of applicable lending laws and regulations.
- Ability to work with limited supervision, and seek assistance as needed.
- Personal credibility and the ability to sell Bank products and services.
- Strong oral and written communications skills.
Education/Experience Requirements:
- Bachelor’s degree in business or a related field.
- Typically a minimum of three years of experience originating and/or underwriting commercial loans, small business loans; mortgage loans and leases.
Job Summary
Full Time
Banking
$59k-78k (estimate)
05/31/2024
07/29/2024
southernbank.com
GREENVILLE, NC
200 - 500
1901
JAMES E JONES
$50M - $200M
Banking
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About southern bank and trust
OUR HISTORY Southern Bank and Trust Company was originally chartered as the Bank of Mount Olive on January 29, 1901. The bank was founded by a group of local businessmen who wanted a locally owned bank based in the community. The Bank officially began operations at 102 S. Center Street, Mount Olive with one employee and $10,000 in total assets. As it continued to slowly grow in the 50's and 60's, management within the bank realized that its name may not be well received in other communities. So in 1967, the name was changed to Southern Bank and Trust Company. Southern has continued to grow org...anically, as well as through the acquisitions of other financial institutions, through purchases of individual branches from other institutions, and through the establishment of de novo branches. The bank currently has over $2.5 billion in total assets and operates over 60 branches in North Carolina and Virginia. HOW WE DO BUSINESS We put safety and stability first. We do this through long-term perspective, sound credit practices and prudent management of our assets. This is how weve earned our customers trust for more than a century. We work with integrity, applying the highest professional ethics in all circumstances. We do the right thing. We build full financial relationships with our customers by gaining an understanding of their needs and goals and applying our knowledge, expertise and resources to provide solutions now and in the long term. We provide excellent service through accuracy, courtesy, responsiveness and partnership - we do it right. We hire the best talent in our local markets and value the contributions of each of our employees. We are good corporate citizens, helping to build the communities we share. WHY WE EXIST Our Vision: To be the bank of preference by delivering a distinctive banking experience and unsurpassed dedication to our customers and communities.
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The job skills required for Commercial Banker I include Underwriting, Commercial Loans, Tax Return, Written Communication, Loan Review, Commercial Banking, etc. Having related job skills and expertise will give you an advantage when applying to be a Commercial Banker I. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Commercial Banker I. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Commercial Banker I positions, which can be used as a reference in future career path planning. As a Commercial Banker I, it can be promoted into senior positions as a Commercial Credit Analyst II that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Commercial Banker I. You can explore the career advancement for a Commercial Banker I below and select your interested title to get hiring information.
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