What are the responsibilities and job description for the Commercial Banker position at Seacoast Bank?
Description
Location : Tampa, FL
The focus of a Commercial Banker is setting up business development strategy and executing sales production efforts to acquire new commercial business within the market area. The position makes sales calls and visits to business customers, high net worth individuals and prospects to understand the client needs, customize solutions that will benefit the customer and meet loan, deposit and service needs. The role requires collaboration between multiple bank group including : Treasury Management, Wealth Management, and Consumer Banking as well as internal support functions.
ESSENTIAL DUTIES AND RESPONSIBILITIES :
- Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
- Demonstrates effective sales strategies to attract, expand and retain customer relationships.
- Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
- Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
- Thoroughly collects and analyzes customer and prospect financials to assess viability.
- Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
- Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
- Coordinates portfolio management functions collaborating through a team which may include Credit Analysts and Commercial Banking Assistants.
- Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
- Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
- Oversees ongoing quality control for a portfolio by executing proper documentation, compliance and collection efforts.
- Maintains knowledge of banking products, programs, services and promotions.
- Responsible for achievement of market objectives as set by Bank leadership.
- Uses Customer Relationship Management systems to track sales efforts and prospects.
- Ensures compliance with internal controls, operational procedures and risk management policies.
- Represents the Bank in business development efforts and at networking and community functions.
- Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
- Ensure adherence to AML / BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
- Adhere to Seacoast Bank's Code of Conduct.
EDUCATION AND / OR EXPERIENCE :
LI-PF1
The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
