JOB SUMMARY:
The Commercial Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures. A Commercial Banker's main focus is on loan amounts of less than $1 million.
RESPONSIBILITIES:
• Analyze markets to develop new prospects for loans.
• Maintain and develop positive, professional relationships with customers and continue communication for growth of portfolio. Foster customer relationships through routine calls and meeting activity and develops new Commercial Banking relationship opportunities through business development activities.
• Analyze applicant’s financial status, credit and property evaluation to determine feasibility of loan request.
• Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.
• Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
• Ensures loan closing and funding activities occur timely.
• Identify complex situations, review related information to evaluate and develop an acceptable solution.
• Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies.
• Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships.
• Maintain a deep understanding of banking products/services to make appropriate recommendations.
• Administer all referrals and direct meetings and business development opportunities.
• Ensure compliance to all standards and policies and ensure secure transaction for customers.
• Exercises advanced proficiency with routine client maintenance requests, problem resolution and advanced sales functions regarding deposit, credit, convenience and other product and service lines.
SKILLS/QUALIFICATIONS:
• Bachelor’s degree preferred, with a focus in business, finance, or another related field
• Minimum two (2) years of related Banking experience, preferably as a Commercial Lender or Portfolio Manager, is required.
• Demonstrated ability of holding effective and successful business relationships is essential
• Must have formal credit analysis training or sufficient lending experience
• Proficiency in Microsoft Office Products is required
• Demonstrated ability to grow and management customer relationships
• Ability to organize and analyze complex financial data
• Knowledge and understanding of all federal and state regulations regarding lending and related departments.
• Excellent analytical and mathematical skills and ability to make a credit decision
• Excellent verbal and written communication skills
• Demonstrated high level of professionalism and maturity
• Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development.
• Minimal travel within the assigned market is required.
KEY COMPETENCIES:
• Relationship Building
• Sales Driven
• Self-Motivated
• High Business Acumen
Essential Functions:
• Sitting or standing for extended periods of time.
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.
Please click here to access a list of benefits for which this position is eligible. Additional information regarding United's Mission, Values and Culture can be found .
At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.
Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
...functions fully as a shepherd and leaderutilizing campus operations, volunteer development, and guest experience as their primary ministry field. This title is a developmental step toward pastoral ordination, reflecting the qualifications and spirit of leadership...
...Company's Research Laboratories portfolio of clinical trials.- GCS is accountable for the planning, sourcing, labeling, packaging and delivery of clinical supplies to clinical sites globally. The GCS Planning (Planning) organization is the key interface between clinical...
...We are hiring immediately for a full time DATA ENTRY CLERK position. Location : Canteen... ...10 Steen, San Antonio, TX 78218. Note: online applications accepted only . Schedule... ...many fantastic benefits. Full-time and part-time positions offer the followingbenefits...
...every team member. Join us and be part of a supportive, growth-focused workplace where you can truly thrive. Inclusive culture : We celebrate diversity and welcome applicants from all communities. Team vibe : Work alongside people who love what they do and are...
...Entry-Level Support Associate Mamba Marketing About Mamba Marketing Mamba Marketing... ...in a supportive environment. No prior experience is requiredtraining will be provided. Responsibilities Assist with basic data entry and record updates Respond to simple...