SUMMARY

The Commercial Banker is responsible for developing, managing, and growing profitable commercial banking relationships within the community. This role involves originating quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank's mission to strengthen the local economy. The Commercial Banker will actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality.

ESSENTIAL FUNCTIONS

1. Business Development & Relationship Management

• Proactively identify, solicit, and develop new commercial banking relationships within the bank's target market.
• Build strong, long-term relationships with business owners, executives, and community leaders.
• Promote the bank's full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services.
• Maintain regular contact with customers to assess needs and identify opportunities for additional services.
• Deliver customized solutions and consultation to customers and prospects of the bank.

1. Credit & Loan Origination

• Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines.
• Gather and analyze financial information to determine creditworthiness and loan structure.
• Prepare and present credit recommendations for approval.
• Negotiate terms, pricing, and structure of credit facilities.

1. Portfolio Management

• Monitor loan performance and maintain credit quality through ongoing review and relationship contact.
• Identify and address early warning signs of potential problem loans.
• Ensure all loan files, documentation, and servicing requirements are complete and accurate.
• Manage loan renewals and covenant compliance.

1. Community Involvement

• Actively participate in local business, civic, and community organizations to enhance the bank's visibility and reputation.
• Represent the bank at networking, chamber of commerce, and industry events.

1. Compliance & Risk Management

• Adhere to all bank policies, procedures, and applicable banking regulations.
• Maintain current knowledge of market conditions, industry trends, and competitors' offerings.

REQUIRED EDUCATION, EXPERIENCE AND SKILLS

• Bachelor's degree in business or finance preferred, or equivalent experience
• Five to seven years of lending experience within a financial institution preferred, but related accounting or finance industry experience considered
• Demonstrated ability to communicate effectively and professionally with business customers and with team members
• Strong attention to detail, good judgment and decision-making skills
• Ability to exercise personal and professional responsibility and work under minimum supervision
• Strong planning and organizational skills
• Excellent interpersonal, verbal and written communication skills; demonstrated ability to communicate complex facts to a variety of people
• Strong customer service skills: demonstrated ability to positively persuade customers and identify and meet their financial banking needs
• Adaptive to change
• Computer Skills: Microsoft Word and Excel, Internet Explorer, Web-Based Applications
• Team Player – Build and maintains productive relationships with people throughout the organization
• General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred

POSITION SPECIFIC COMPETENCIES:

• Productivity- Consistently produces a very high volume of work. Uses company time and resources extremely optimally and meets schedules and deadlines.
• Decision Making/ Judgment- The ability to make prudent decisions that are timely, well researched, and reflect awareness of impact.
• Policy Compliance- Demonstrates an excellent understanding of organizational policies and guidelines. Complies very willingly and without exception. Acts as an example to other employees. Takes the initiative to improve compliance practices.
• Customer Relations- Excellent customer relations skills are demonstrated. Is always attentive, concerned, and polite. Able to diffuse difficult situations smoothly
• Loan Credit Performance- Credit examinations, audits, and the level of loan delinquency are all exceptional. Credit performance is exceptional. Loan decisions are always based on strong analysis and excellent judgment.

PHYSICAL REQUIREMENTS

Must be capable of operating all types of office equipment including computers, copy machine, fax and telephone

EQUIPMENT USED

Computer, telephone, fax machine, scanner, photocopier

SUPERVISORY REQUIREMENTS: None

WORKING CONDITIONS

• Requires extensive contact with the general public
• May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

This job description is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.