COMMERCIAL BANKER

The Commercial Banker is responsible for administering and supporting the activities in Commercial Banking to accomplish department goals and objectives. This position is responsible for developing and maintaining a variety of commercial loan accounts (secured and unsecured) that meets established lending requirements and provide maximum profitability to the bank at minimum risk. They will also develop new loan relationships through referral and individual efforts in sales.

As a Commercial Banker, you will:

• Attend to the needs of customer relationships and prospects seeking loans or lines of credit on terms that involve a varied amount of risk underwriting.
• Make decisions on loans and terms within lending limits or makes recommendations to the Senior Lending Officer.
• Manage portfolio within the terms approved and in conformity with bank’s lending policy.
• Provide feedback to customers, where appropriate and within scope of expertise, concerning business management and financial matters to add value to relationships between the customer and bank.
• Develop new business by calling on prospects and customers for commercial loans with an emphasis on cross-selling bank products and services to establish a complete banking relationship between the customer and bank.
• Manage an on-going portfolio including but not limited to past dues, collateral exceptions, renewals, review and account management of overdrafts and collection activities, if necessary.
• Collect and analyze information that reflects the current financial position of customers and prospects with which analysis leads to a recommendation of credit structure and if appropriate closing the credit relationship.
• Participate in community affairs to contribute expertise, better understand the needs of the business community, increase the Bank’s visibility and to enhance new business opportunities.
• Directs and manages work activity of administrative staff.
• Keep abreast of new regulations, policies and procedures relative to commercial lending and general economic trends.

Qualifications

• High School Diploma or Equivalent/ Associate or Bachelor Degree in Finance, Accounting, Business Administration or similar.
• 1-3 years of financial industry experience / 2-5 years Commercial Banking experience.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position.