Commercial Banking OfficerFirst Carolina Bank • Raleigh, NC, United States
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Commercial Banking Officer
First Carolina Bank • Raleigh, NC, United States
[job_card.30_days_ago]
[job_preview.job_type]
- [job_card.full_time]
[job_card.job_description]Promote commercial banking business development and cross-sell other bank products and services to include retail banking and residential mortgage Facilitate opening and closing of commercial loan & deposit accounts Work closely with treasury officer to assist in selling and implementation of appropriate treasury services Respond to customer inquiries and concerns Contact customer for disposition of accounts Contact current and potential bank customers by mail, phone or in person to solicit new business to meet specific goals as outlined Counsel customers regarding financial matters Follow up to ascertain that transactions are completed to the customer's satisfaction Create and submit loan presentations, work with underwriting on deals as developed, provide expert advice to both business and retail borrowing customers, meet with clients regularly to gain knowledge of their respective business and industry, update financial performance of the borrower, and determine future financial needs of customers Secure proper documentation and manage loan process through closing of loan Analyze customers' creditworthiness and cash flow to determine adherence to Bank's credit requirements Ensure that customers provide financial documentation as required to properly prepare annual loan reviews Initiate proactive collection calls to ensure timely payment of loans Provide weekly loan / deposit pipeline updates to Managing Director Assist with other projects as requested Official Check Authority Wire Signing Authority Wire Input Authority Check Cashing Authority Ensures appropriate due diligence is exercised in new account opening, credit applications, wire transfers, maintenance of files, credit bureau reporting and other processes Exercises good judgment that balances risk to shareholders and customer experience when making decisions BSA, fraud, identity theft Routine interaction with department heads across Lending, Operations, IT, Risk, Sales, and Compliance Market Executive, CAO, CCO & CEO Board Members and Shareholders Community leaders Lenders, Customer Service Representatives, Tellers, and customers Regulatory examiners as appropriate and directed by Senior Management N / A Ability to work under tight deadlines Ability to be self-motivated and well organized Ability to multi-task Good communication Some Travel required Prepare presentations, conduct training, and hold meetings Familiarity with FCB Credit Policy, pricing, and other pertinent regulations in the Bank's Policy Manual Service existing accounts...................................25% Loan prospecting production & referrals........75% Bachelor's Degree or at least 4 years' experience in a sales environment Strong computer skills Exceptional human relations and communication skills Excellent reading, writing, grammar, and mathematical skills Understanding of State and Federal laws governing lending Passion for business development Previous banking experience Understanding of commercial underwriting practices and guidelines Understanding of general accepted accounting principals 7 years of progressively more responsible job-related experience JHA product knowledge High capacity for learning and articulating ideas
Description
Position Purpose :
- This role works in partnership with the Market Executive to ensure the local area market meets its goals for portfolio growth and management in categories of commercial banking to include loans, deposits, and fee income.
Primary Responsibilities :
Authority, Impact, Risk :
Key Relationships :
Managerial Accountability :
Working Conditions :
Time Allocation :
Job Specifications :
Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required :
Preferred :
Risk Management Requirements :
Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.
Equal Opportunity Employer including Veterans / Disabilities
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Commercial Banking Officer • Raleigh, NC, United States
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