Commercial Banker Senior

Overview :

Making sure you fit the guidelines as an applicant for this role is essential, please read the below carefully.

The Commercial Banker Senior is pivotal in driving production by managing and nurturing relationships with small to mid-sized businesses generating less than $25 million in gross sales. This role actively collaborates with the sales team to establish, build, and maintain strong banking relationships, significantly contributing to the overall success and growth of the assigned sales territory. As the primary relationship manager, the banker represents the bank in all client interactions and oversees the credit process, including credit underwriting, portfolio management, risk identification, and adherence to loan covenants. Key responsibilities also encompass ongoing portfolio management, collateral monitoring, and ensuring compliance with the bank's risk and credit grading standards. The position demands strong individual initiative and effective collaboration to achieve and exceed business objectives.

Principal Duties and Responsibilities :

• Consistently meets and exceeds individual and / or team sales goals, including deposits, loans, and other applicable metrics.
• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to meet or exceed the Bank's strategic goals.
• Independently analyzes creditworthiness and conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to determine potential creditworthiness.
• Generates proposals and develops sales strategies at an expert level.
• Develops, expands, and maintains referral sources.
• Documents the relationship management process.
• Works with clients to analyze problems and propose solutions.
• Acts as the client's advocate in securing suitable credit and cross-selling products and services.
• Structures and completes secured and unsecured business loans.
• Evaluates business, management, industry, financial, and structural risks, and documents assessments in credit approval documents.
• Organizes and leads involved sales initiatives, including generating complex, customized proposals.
• Works to develop and maintain solid relationships with all partners.
• Maintains expert-level knowledge of all bank products and services.
• Participates in special projects as needed.
• Must be willing to participate in community organizations and activities.

Qualifications :

Education :

Special information to candidates :