Commercial Banker

Position Opening: Commercial Banker-Community
Department: Commercial Lending
Location: Berryville, AR
Status: FT Salary
We are currently hiring energetic, team-oriented, and community-focused individuals to join our team. With a team of best-in-class customer service experts, you'll help build and expand on client relationships, deliver banking products and services that meet unique individual needs, and create an atmosphere of superior experience and service.

Responsibilities and Expectations

• Customer Service
  • Manage and service commercial customer relationships as assigned.
  • Enhance client relationships through regular contact, providing a high level of customer service and demonstrating an understanding for their business and risk profile.
  • Rretain clients with acceptable risk profiles.
  • Demonstrate an understanding, concurrence, and commitment to bank policies and procedures when managing client relationships.

• Productivity
  • Meet or exceed loan, fee income, and deposit growth goals as agreed and assigned annually.
  • Monitor market conditions and competitor impacts in order to maintain competitive and profitable relationships.
  • Develop and maintain comprehensive knowledge of all commercial products, including loans, treasury management, trade service products, and deposits, to facilitate cross-selling and enhance the client experience.
  • Demonstrate a strong understanding and working knowledge of loan documentation in order to mitigate risk to the bank.
  • Maintain and monitor annual personal plan for growth goals and objectives.
  • Maintains an active calling program for new business development which includes proper planning.

• Profitability
  • Demonstrate effective behavior in maximizing customer profitability to meet EPS hurdles as defined by the bank annually.
  • Meet or exceed the financial goals set by the bank annually. Specifically, to optimize loan pricing, fee income, and deposit rates.
  • Action-oriented driving to deliver results that meet or exceed financial goals set for the individual and the bank.

• Credit Quality/Credit Administration
  • Maintain acceptable levels of delinquencies/past dues, non-performing loans, and criticized/classified assets as defined by the bank annually.
  • Demonstrate strong credit skills in analyzing credit risk within the underwriting process. Gather complete and adequate facts/information needed to understand and assess risk, while meeting deadlines as assigned.
  • Communicate potential credit downgrades in a timely and effective manner.
  • Maintain credit and documentation exceptions within acceptable standards as defined and set by the bank annually.

• Quality of Work
  • Demonstrate consistent quality of work product within the context of ongoing credit analysis and risk management.
  • Exhibits solid time management skills, organization, planning, and priority setting in carrying out day-to-day responsibilities for customer management and business development.
  • Demonstrate sound business acumen and technical knowledge for underwriting and ongoing risk management.
  • Exhibit strong problem-solving skills by providing effective solutions; look beyond the obvious.

• Interpersonal Skills/Cooperation
  • Exhibit strong interpersonal skills, including a cooperative spirit, positive attitude in all interpersonal relationships with coworkers, managers, and subordinates.
  • Contribute to a professional working environment with respect to individual roles and responsibilities. Communicate problems and concerns in a respectful and constructive way.
  • Demonstrate respect and observe rules and act in an ethical manner.
  • Build rapport with customers through approachability and a dedication to meeting their expectations and requirements.

Regular and reliable attendance is required. Additionally, performing other duties as assigned or required.

We are looking for individuals who possess a bachelor's degree or equivalent experience. Lending experience is also highly valued. Excellent interpersonal skills and a professional manner are essential. Computer skills, particularly the ability to work in Windows-based systems, are also necessary. The ability to maintain a working understanding of and comply with banking regulations, bank policies, and procedures is crucial.

At Equity Bank, we believe your benefits are an important part of your overall compensation package. We work year-round to ensure that we provide our employees with the most up-to-date, competitive program. We thoroughly evaluate our benefit plans and strive to provide quality benefits that support the physical and financial well-being of our employees and their families.

The following benefits are available to our employees:

• Health, dental & vision insurance
• Flexible spending & health savings accounts
• Group cancer insurance
• 401(k) retirement plan with company match
• Generous vacation & sick time
• Employee stock purchase plan (ESPP)
• Pet insurance
• Retail banking benefits