Job Description
- Growing and maintaining a commercial loan portfolio that conforms to the credit quality standards of the bank.
- Developing relationships with customers and serving as a resource for their banking needs.
- Working closely with retail bankers to develop client relationships and cross-selling products.
- Cross-selling of the Bank's lending, depository, and Treasury Management products to new and existing bank clients.
- Evaluating loan requests, analyzing financial data, and determining the qualification of collateral and credit history.
- Developing and maintaining knowledge of internal, regulatory, and commercial guidelines.
- Formulating, supervising and implementing the annual Commercial and Retail Sales business plans for the division consistent with the goals and objectives of the bank.
- Ensure that an ongoing evaluation system is in place related to the goals and objectives set forth in the Commercial and Retail Sales business plan.
- Managing large or complex commercial loans as needed, and counseling loan customers on loan management and beneficial financial strategies.
- Providing training, motivation, and evaluation to staff in conjunction with the Human Resources Department of the Bank.
- Managing relationships with business banking clients by providing service and support.
- Delegating duties and responsibilities consistent with their goals and objectives, allowing achievement of those goals and objectives.
- Keeping abreast of economic trends, market conditions, and regulatory standards. Proactively assesses how changes may impact the Bank.
- Representing the Bank in community/economic development activities and initiatives. Ensuring Bank visibility in all aspects of the community.
- Bachelor's degree in Finance, Business, or Economics, preferred.
- Five or more years of relevant lending experience.
- Strong business development and credit risk assessment skills.
- Must have a proven track record in business development.
- Knowledge of bank regulations pertaining to lending and debt collection.
- Solid knowledge of relevant PC software applications, such as Word and Excel.
- Articulate and comfortable in communicating with all levels in a bank organization and with external customers.
- A successful track record having a proven performance record as evidenced through solid financial performance, risk management, and success of staff.
Key skill Required
- Accounting
- Business Development
- Credit Risk
- Sales
- Articulate
- Brand Loyalty
- Business Banking
- Commercial Relationship
- Consistent
- Counseling
- Credit Risk Assessment
- Customer Satisfaction
- Debt Collection
- Development
- Economic Development
- Economics
- Finance
- Financial Data
- Financial Performance
- History
- Influence
- Lending
- Loan Management
- Loan Portfolio
- Loyalty
- Management
- Motivation
- Proven Track Record
- Quality Standards
- Regulatory Standards
- Retail
- Retail Sales
- Risk Management
- Talent Acquisition
- Training
- Treasury Management