Commercial Lender (Relationship Banker)

Relationship Banker (Commercial Lender)

Classification: Exempt

Reports to: Senior Relationship Banker or Regional President

Summary/Objective

The Relationship Banker is responsible for establishing and growing relationships within the bank. This involves making sales calls and developing a rapport with the customer or potential customer. Growth goals for all RBs are established for loans, deposits, and fee income, while the RB is also asked to be active in the communities we serve.

Primary Functions

1. Adheres to the Bank's Vision, Mission Statement, Moments of Truth, Core Competencies, Sales and Service standards, Bank policies, Bank regulations, and the Bank Operations Manual.
2. Structures and analyzes new and renewed loan requests and makes loans within lending authority.
3. Follows the Bank's sales process and interviews commercial loan applicants.
4. Actively participates in the new business development program.
5. Works closely with SRB, RP, and RSCO and presents loan applications for the appropriate approval.
6. Works closely with RBGA to prepare loan packages for approval, closings, and post-closing.
7. Manages all aspects of assigned loan portfolios and relationships including assigning appropriate risk grades to loans and relationships and monitoring compliance with loan policies and appropriate regulations.
8. Collects past due loans unless assigned to the centralized collectors.
9. Responds to referrals from Senior Management and others.
10. Handles customer service matters and inquiries for lending and non-lending issues.

Secondary Functions

1. Sends financial statements to the credit analysts for spreading and analysis.
2. Provides informal training and guidance for less experienced lenders.
3. Participates in community activities and organizations.
4. Refers appropriate banking opportunities to other departments and personnel.
5. Cross-sell all company products and services.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Supervisory Responsibility

Generally, this position does not have direct supervisory responsibility but may informally supervise and guide less experienced Relationship Bankers and Relationship Banking Group Assistants.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.

Physical Demands

1. Prolonged periods working at a desk.

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. Work outside of this schedule may be required as job duties demand.

Travel

Travel is expected for this position, primarily within the local area and occasional trips for Regional/Corporate meetings.

Required Education, Experience, and Skills

1. High School Graduate or GED and 5 years of related experience or Bachelor's degree and 3 years of related experience.
2. Must be proficient in Microsoft Word and Excel and other necessary software for efficiency.
3. Motivation and initiative are essential and must have a sense of urgency and be proactive.
4. Excellent verbal and written communication skills.
5. Ability to handle multiple tasks.
6. Must possess excellent negotiation and problem-solving skills.
7. Knowledge of sales principles, understanding of lending and credit approval processes, and pricing models.
8. Presents loan commitments to customers' executive management effectively with professionalism and clarity.
9. Must possess a high level of analytical skills, effective interpersonal skills, and the confidence to make sound, assertive business decisions that align with both the bank's objectives and the best interests of the borrower.

Preferred Education and Experience

1. Bachelor's Degree or more than 7 years of related experience.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.