Commercial Banker

Summary Originates commercial loans, promotes commercial banking institution and its lending and depository services to the community and helps to identify and serve the community's financial needs by participating in community activities. Specific Job Duties Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Solicits commercial loans and deposit relationships for the commercial banking institution. Informs prospective commercial loan clients of the institution's underwriting guidelines and applicable government regulations. Takes loan applications, negotiates terms and closes loans on major projects and substantial loan requests. Evaluates and negotiates potential customer loan requests and makes loan approval recommendations to management, including analyzing applicant's credit history, repayment capabilities, and collateral specifications. Communicates complex approvals or denials to the borrower. Markets the commercial banking institution's ancillary products and services to clients. Manages the clients banking accounts for the life of the client's relationship. Actively participates in the institution's community activities and maintains close contact with local business owners, potential high net worth clients and prospects. Commercial and industrial lending experience a plus. Job Requirements Bachelor's degree in business, finance or related field. 10+ years of experience in a commercial banking setting. Knowledge of commercial lending policies and procedures including state and federal regulations. Strong sales, organizational and interpersonal communication skills. Excellent oral and written communication skills in order to effectively communicate with customers about the commercial banking programs and policies. Strong financial and analytical skills. Equal Opportunity Employer/Veterans/Disabled