Commercial Banker III (Finance)

POSITION TITLE: Commercial Banker III

FLSA STAUST: Exempt

SUMMARY:
Under minimal direction, generates loans, deposits, fee income and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals

ESSENTIAL JOB FUNCTIONS:
• Calls on existing and potential customers to develop new business and/or expand and retain current business.
• Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services.
• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Work closely with Credit partners in the administration of new and existing loan relationships.
• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority.
• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines and developing trends.
• Studies industrial, commercial, and financial situations relating to new or existing businesses.
• Serve as a trusted advisor to customers.
• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loans.
• Represents the Bank in business development efforts and civic and community functions.
• Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues and other portfolio responsibilities are handled in a timely and accurate manner.
• Monitors loan payments and coordinates collection activities for all past due loans.
• Shares information and accumulated job knowledge with less experienced Commercial Bankers to assist in their development
• Serves in other capacities as requested.

JOB REQUIREMENTS:
• Bachelor's degree in Business or related field or equivalent in education and experience
• 10 years banking experience in commercial lending
• Knowledge of lending regulations, compliance procedures, and credit analysis
• Strong sales, communications (both written and oral) and interpersonal skills
• Proficiency in Windows-based PC systems and banking software

KNOWLEDGE/SKILLS REQUIRED:
• Excellent customer service skills
• Detail-oriented with ability to excel in high-volume environment
• Strong communication skills, both verbal and written
• Ability to perform effectively in fast-paced environment
• Knowledge of Microsoft Office, especially Word, Excel and Outlook
• Complete all required compliance training by established deadlines
• Ability to maintain confidentiality

PHYSICAL AND MENTAL QUALIFICATIONS:
• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• Travel required