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First Fidelity Bank is Hiring a Commercial Lender Near Phoenix, AZ
Job Location
AZ Biltmore - Phoenix, AZ
Position Type
Full Time
Job Shift
Day
Job Category
Commercial Lending
Description
At First Fidelity Bank, we are looking for talented, enthusiastic team members with a passion for service excellence. Our employees are critical to our overall success. We invest in our employees by providing excellent training and development, as well as advancement opportunities. We offer our employees a family environment, great benefits, competitive pay and paid time off for work/life balance. We are dedicated to giving back to the communities we serve, and we encourage our employees to participate in charitable giving and volunteer opportunities. One of our Core Values is to provide a caring place to work where people truly enjoy coming to work each day. Colleagues of First Fidelity Bank take pride in working here, make lasting friendships and have fun!
SUMMARY
The Commercial Lender is responsible for the acquisition, retention, and expansion of Commercial business clients. Typically, the Commercial Lender will be responsible for businesses with Deposit and/or Credit needs of $500,000 or more.
PRIMARY DUTIES/RESPONSIBILITIES:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
- Gains complete knowledge of business and personal financial needs of 100% of assigned Commercial clients.
- Conducts 5-10 client/prospect 'outside' visits per week.
- Builds knowledge of all clients and prospects by completing in-depth profiling of Commercial business owners and other principals.
- Understands the needs of their customers, recommends the appropriate product, service or solution.
- Work closely with all areas of the Bank and other partners (including Retail, Professional and Executive Relationship Managers, InvesTrust, First Fidelity Financial Services, etc.) to ensure that all Commercial clients (and Business owner(s)) needs as well as cross-sell opportunities are identified and met.
- Work closely with the Treasury Services Manager to ensure that Commercial customers/prospects needs are properly matched with the appropriate depository, cash management, and investment needs.
- Ensures customer service needs of the Commercial customer are met by handling requests directly and/or by referring to the appropriate channel to best meet the customer's needs.
- Proactively solicits new business relationships through aggressive calling efforts on prospects developed through referrals from existing customers, cultivation of key referral sources and prospect lists.
- Collects and analyzes financial and related data to determine the general creditworthiness of Commercial customer/prospects and the merits of specific credit requests.
- Develop information for and make loan presentations to appropriate loan committees when required.
- Establish and negotiate, when necessary, terms under which credit will be extended.
- Monitor loan repayment activities and take necessary action to collect from past due accounts.
- Participate in community affairs to increase bank's visibility and enhance new business opportunities.
- Supervise and direct Portfolio Manager(s).
- Promotes a positive spirit by contributing to balancing team and individual responsibilities.
EXPERIENCE REQUIREMENTS:
- A minimum of three years of relationship management experience required (preferably to commercial or small businesses customers).
- A minimum of five years of credit experience as gained through credit analyst, loan portfolio management, loan review, or equivalent positions, with proven ability to understand and analyze financial statements, tax returns and other financial documents and to make sound credit decisions.
- A minimum of three years of banking experience with a general knowledge of bank operations and specific knowledge of Treasury Management, depository and other products typically utilized by a commercial customer.
- Bachelor's degree.
- Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression.
- Must be driven, accountable, hardworking, goals-oriented and a self-starter.
- Strong business development and people skills to market the bank and oneself in all situations, whether during or after business hours. This includes being able to identify banking opportunities, and if necessary, refer the client to the appropriate person.
- Excellent time management and organizational skills and the ability to work independently with little supervision.
- Ability to make sound decisions of all types, with little hesitation and after thorough consideration of relevant data.
- Ability to interpret financial information and data, evaluate character and capabilities of the client, and determine the value of collateral offered.
SUPERVISORY RESPONSIBILITY: Yes
PHYSICAL REQUIREMENTS: Must be able to work within a routine office environment.
BENEFITS:
- 401(k) Plan with employer match
- Employer contribution to medical and dental insurance (option with annual employer contribution to Health Savings Account)
- Teladoc telemedicine coverage (100% employer-paid)
- Vision Insurance (voluntary)
- Flexible Spending Accounts (voluntary)
- Group Life and AD&D Insurance (100% employer-paid)
- Supplemental Life, Spousal Life, Child Life Insurance (voluntary)
- Short Term Disability (voluntary)
- Long Term Disability (100% employer-paid)
- Accident and Critical Illness Insurance (voluntary)
- Cancer Insurance (voluntary)
- Employee Assistance Program (100% employer-paid)
Job Summary
Full Time
$72k-96k (estimate)
04/26/2024
05/15/2024
ffb.com
GLENDALE, AZ
200 - 500
1920
$50M - $200M
Banking
Related Companies
About First Fidelity Bank
First Fidelity Bank takes pride in its legacy as a community bank. Since 1920, weve been serving clients with the high level of individual care that community banks are known for, while using the same sophisticated technology as large national banks. An award-winning financial institution, First Fidelity Banks commitment to our clients personalized needs and to bringing the most advanced banking experience to the market sets us apart. Based in Oklahoma, First Fidelity has branches in the Oklahoma City and Tulsa metro areas, as well as the Phoenix, Arizona, metro area. Our 29 branches are conve ...
niently located across the markets we serve. Of course, we are also a fully automated financial institution with the latest virtual technology allowing you to conduct all your business online, wherever you go. First Fidelitys leadership represents generations of banking experience. Each of our nearly 350 employees are valued members of the "First Fidelity family" and are dedicated to building a meaningful relationship with clients. As a result, our clients have come to expect the very best in customer service. Giving back to our neighbors is a core value of First Fidelity Bank, and our leaders are devoted to a workforce who share in that passion. Annually, FFB donates a total of more than $500,000 to local charities and educational foundations. First Fidelity is proud to participate in the annual United Way giving campaign in each of the cities we serve, helping to lead the way in corporate giving. As the winner of the Forbes Best Bank in Oklahoma, our level of care and convenience is unmatched. Its a testament to our commitment to the communities we serve. First Fidelity Bank is an Equal Opportunity Employer and Equal Housing Lender. Member FDIC.
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The following is the career advancement route for Commercial Lender positions, which can be used as a reference in future career path planning. As a Commercial Lender, it can be promoted into senior positions as a Loan Processor III that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Commercial Lender. You can explore the career advancement for a Commercial Lender below and select your interested title to get hiring information.
If you are interested in becoming a Commercial Lender, you need to understand the job requirements and the detailed related responsibilities. Of course, a good educational background and an applicable major will also help in job hunting. Below are some tips on how to become a Commercial Lender for your reference.
Step 1: Understand the job description and responsibilities of an Accountant.
Quotes from people on Commercial Lender job description and responsibilities
A commercial lender grants financial loans to businesses.
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Commecial Lender resolves uncertainties relating to customer application information through inquiries with applicant or creditors.
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They structure loans within loan policy. Approves loan within specified limits or champions loan opportunities to the credit department and/or Committee for proper approval.
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Commercial Lender prepares financing proposals consistent with approval for presentation to the applicant.
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Commercial lenders also look at the purpose of the business, the character of the business owner, where the business operates, and the projected annual sales and growth for the business..
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Step 2: Knowing the best tips for becoming an Accountant can help you explore the needs of the position and prepare for the job-related knowledge well ahead of time.
Career tips from people on Commercial Lender jobs
There are many ways to advance in the field of commercial lending. One of the best is to get an advanced degree in business or finance. This will give an individual the skills and knowledge they need to move into management or executive positions.
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They can also advance by taking on more responsibility at your current job, or by moving to a larger bank or financial institution.
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Present a professional loan package.
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Minimum of 5 years’ experience in Commercial Lending, with a preference for existing experience within service area
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Attend credit training.
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Step 3: View the best colleges and universities for Commercial Lender.
