Commercial Loan Officer

TITLE:                          Business Client Advisor (Commercial Loan Officer)

REPORTS TO:               Commercial Banking Team Leader

FLSA:                           Exempt 

CATEGORY:                  Full Time 

SHIFT:                         Monday – Friday 8:30am – 5:30pm

SUMMARY

Seeking experienced Commercial Banker to drive new client acquisition and deposit growth.  This role is ideal for a highly motivated, relationship-driven professional who excels in business development and consultative banking.  The successful candidate will be responsible for identifying and onboarding commercial clients with a strong focus on deposit generation, treasury management solutions, and lending opportunities.  

ESSENTIAL DUTIES

1. Proactively source and cultivate new commercial banking relationships, focusing on businesses that align with the bank’s strategic goals.  
2. Develop and execute a sales strategy to grow  core deposits, treasury management services and lending opportunities.
3. Conduct in-person meetings, attend networking events and lead community engagement activities to generate leads.
4. Partner with internal teams, including treasury management and credit, to deliver comprehensive banking solutions.  
5. Serve as trusted advisor to business clients, providing customized banking solutions that meet their financial needs.
6. Ensure high levels  of client satisfaction and retention by delivering proactive service and financial   insights.
7. Stay informed on industry trends, local market conditions, and competitor   solutions.
8. Leverage industry knowledge to tailor financial solutions for businesses in target sectors.
9. Actively participate in professional  associations and community organizations to enhance the bank’s presence.

SECONDARY DUTIES

1. Participates in Board Loan Committee meetings where appropriate.
2. Provides direct and indirect customer service by giving advice and answers for a variety of basic to complex questions to clients and to colleagues. Refers inquiries to the appropriate department or person, exhibiting the necessary follow through with clients and/or colleagues involved.
3. Ensures all related paper file systems are maintained so that necessary documents can be found easily, and documentation is consistent and complete. 
4. Assumes responsibility for various department functions in the absence of colleagues or in overload situations.

GENERAL

1. Provides excellent personal customer service to all internal and external clients by treating people with respect; keeping commitments; inspiring the trust of others; working ethically and with integrity; upholding organizational values; and, accepting responsibility for own actions.
2. Follows policies and procedures; completes administrative tasks correctly and on time; contributes to the overall profitability of the Bank through cost controls and expense monitoring.
3. Applies good judgment in decision making and sees beyond immediate assignments and acts on opportunities and problem areas.
4. Performs position safely and reports potentially unsafe conditions.   
5. Works according to established schedules, arriving on time and with a positive attitude.
6. Completes assigned Compliance Training.
7. Any other duties as defined by management.

QUALIFICATIONS AND DEMONSTRATED ABILITIES

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position.   The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner.  Individual abilities may result in some deviation from these guidelines.

1. Bachelor degree in finance, accounting, business administration or related field; or equivalent combination of education and experience.   Work related experience should consist of at least three (3) year’s experience in a commercial lending capacity.   Educational experience, through in-house training sessions, formal school or related curriculum, should be applicable to finance, accounting or business.
2. Strong understanding of commercial banking products, particularly deposits and treasury management.
3. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures, speak clearly to clients, colleagues, directors, and shareholders.
4. Excellent sales, negotiation, and relationship management skills.
5. Ability to read, analyze and interpret business periodicals, professional journals and technical procedures.
6. Ability to analyze financial statements and assess banking needs.
7. Strong networking abilities and involvement in the local business community.
8. Intermediate computer operation skills; email, keyboarding, spreadsheet and specialty software programs to meet production needs of the position.
9. Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
10. Excellent organizational and time management skills.
11. Results-oriented, wi the ability to work independently and collaboratively while also handling confidential information with discretion.

PHYSICAL REQUIREMENTS

1. Ability to sit and/or stand for extended periods of time. 
2. Occasional walking to assist or meet with clients and staff at various locations within the Bank.
3. Continuous clarity of vision at 20 inches or less for normal processing of work.
4. Repetitive use of hands such as grasping, twisting/turning of wrists, and finger dexterity necessary to perform various clerical duties such as typing, writing, and maintaining files.
5. Occasional use of arms such as pushing/pulling to open and close drawers and cabinets.
6. Occasional bending and/or reaching for supplies, etc. on both low and high shelves.

ACKNOWLEDGEMENT

I have reviewed the above job description and acknowledge that I am able to perform the duties and meet the qualifications and requirements described herein.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  Summit Bank reserves the right to update job descriptions periodically.   I acknowledge that this job description does not in any way create a contractual relationship, and does not alter Summit Bank’s at-will employment relationship with me.

____________________________________________         ___________________________ 

Employee Signature