What are the responsibilities and job description for the Commercial Lender position at Equity Bank?
Commercial Lender-Community
We are seeking a Commercial Lender-Community to join our team at Equity Bank. This role is responsible for building and expanding client relationships, delivering banking products and services, and creating a superior customer experience.
Key Responsibilities:
Required Skills & Education:
Benefits Available:
We are seeking a Commercial Lender-Community to join our team at Equity Bank. This role is responsible for building and expanding client relationships, delivering banking products and services, and creating a superior customer experience.
Key Responsibilities:
- Customer Service:
- Manage and service commercial customer relationships.
- Enhance client relationships through regular contact and provide high-level customer service.
- Retain clients with acceptable risk profiles.
- Demonstrate an understanding of bank policies and procedures when managing client relationships.
- Productivity:
- Meet or exceed loan, fee income, and deposit growth goals.
- Monitor market conditions and competitor impacts to maintain competitive and profitable relationships.
- Develop and maintain comprehensive knowledge of commercial products to facilitate cross-selling and enhance the client experience.
- Maintain a strong understanding and working knowledge of loan documentation to mitigate risk to the bank.
- Maintain an active calling program for new business development.
- Profitability:
- Demonstrate effective behavior in maximizing customer profitability to meet EPS hurdles.
- Meet or exceed financial goals set by the bank annually.
- Action-oriented driving to deliver results that meet or exceed financial goals.
- Credit Quality/Credit Administration:
- Maintain acceptable levels of delinquencies/past dues, non-performing loans, and criticized/classified assets.
- Demonstrate strong credit skills in analyzing credit risk within the underwriting process.
- Communicate potential credit downgrades in a timely and effective manner.
- Maintain credit and documentation exceptions within acceptable standards.
- Quality of Work:
- Demonstrate consistent quality of work product within the context of ongoing credit analysis and risk management.
- Exhibit solid time management skills, organization, planning, and priority setting.
- Demonstrate sound business acumen and technical knowledge for underwriting and ongoing risk management.
- Exhibit strong problem-solving skills by providing effective solutions.
- Interpersonal Skills/Cooperation:
- Exhibit strong interpersonal skills, including a cooperative spirit and positive attitude in all interpersonal relationships.
- Contribute to a professional working environment with respect to individual roles and responsibilities.
- Demonstrate respect and observe rules and act in an ethical manner.
- Build rapport with customers through approachability and dedication to meeting their expectations and requirements.
Required Skills & Education:
- Bachelor's Degree, equivalent experience may apply.
- Lending Experience.
- Excellent interpersonal skills and professional manner.
- Computer skills, especially the ability to work in Windows-based systems.
- Maintain a working understanding of and comply with, banking regulations, bank policies, and procedures.
Benefits Available:
- Health, Dental & Vision Insurance.
- Group Life & Long-Term Disability Insurance.
- Flexible Spending & Health Savings Accounts.
- Group Cancer Insurance.
- 401(K) Retirement Plan w/ Company Match.
- Generous Vacation & Sick Time.
- Employee Stock Purchase Plan (ESPP).
- Pet Insurance.
- Retail Banking Benefits.
