Commercial Banker

About the Job:

Join Independent Bank as a Commercial Banker to originate and service secured commercial loans — with a focus on Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending — and help advance our mission of inspiring financial independence today with tomorrow in mind! This role offers immediate production opportunities, including the chance to assume part of an existing portfolio and step into established client relationships.

Why You Should Apply:

• Comprehensive total rewards package.
• A knowledgeable, goal-driven, and exciting team of colleagues.
• Exposure to different areas of banking and the ability to work with leaders within the industry.
• Community-focused events and volunteer opportunities.

What You Will Do:

• Establishes relationships and generates business from new and existing customers.
• Cross-sells other products and services and generates fee income for the bank.
• Interview applicants regarding financing information.
• Maintain productive relationships between the branches, mortgage loan officers, and the commercial loan department.
• Build a solid relationship between the current customer base and Independent Bank. Cross-sell bank products and services to new and existing customers.
• Exercise sound judgment and assertiveness in addressing complex problems and concerns.
• Makes decisions on loans and terms within approved limits.
• Monitors existing portfolio to ensure compliance with loan agreement terms and financial trends/developments.
• Target and establish new customers within the market by participating in various community/professional activities.
• Utilize the branch network to solicit new business while identifying existing customers with larger lending needs.
• Ensure all documentation gets to the loan file. Ensure fee production for the bank by cross selling cash management services, investment services, and commercial loan fees.
• Monitor and reduce the delinquency average for commercial loans.
• Provides customer service and loan structuring training to junior lending staff.
• Performs other related duties as assigned.

Knowledge, Skills, and Abilities:

• Bachelor’s degree in Finance preferred (or equivalent years of working experience).
• Formal credit training preferred.
• Credit analysis and business development/lending experience required with 5+ years of commercial lending experience.
• Excellent interpersonal, presentation and communication skills.
• Aptitude for finance and have the ability to exercise sound judgment and business decisions.
• Strong business development skills.
• Personal Computer skills are also required, preferably Microsoft Office.

Be Proud. Be YOU. Be Independent!