Business Banker

Business Banker I page is loaded## Business Banker Ilocations:
Memphis, TNtime type:
Full time posted on:
Posted Todayjob requisition :
R114286## It's fun to work in a company where people truly BELIEVE in what they're doing!
* We're committed to bringing passion and customer focus to the business.
*** Essential Duties and Responsibilities
*** Strategic focus on small and mid-size commercial client activity through relational selling as a trusted advisor role to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of Simmons Bank’s products and services.
* Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability determining the method, schedule and collateral requirements.
* Well trained on identifying and referring SBA opportunities.
* Reviews and analyzes financial information to determine a customer’s creditworthiness.
* May present recommendations to loan committee and exhibits a deep understanding of credits presented.
* Responsible for the profitability of all commercial relationships within the portfolio.
* Responsible for growing deposits as well as loans.
* Monitor loan repayment activities, the collection of past due accounts, and credit and collateral deficiencies.
* Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
* Actively refers other bank products, such as: all commercial loan and deposit products, treasury management, mortgage, employee benefits, wealth management services and related retail products to build deep banking relationships.
* Become active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation of the Bank.
* Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and Bank wide goals are met.  Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.
* Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
* Performs other duties and responsibilities as assigned.
** Qualifications
* * To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
* ** Skills
* ** Well-developed interpersonal and negotiating skills.
* Excellent written and verbal communication skills.
* Basic accounting, credit, and sales skills.
* Detail oriented and proven ability to multi-task.
* Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
* Ability to read, analyze and interpret financial report and/or legal documents.
* Ability to write routine reports and business correspondence.
* Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.
* Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.
** Education and/or Experience
*** A Bachelor’s degree in business, finance, related field, or relevant job experience is preferred.
* One to two years lending experience with basic sales skills are preferred.
* Experience in the local market required for better understanding of the lending environment and potential customer base is preferred.
** Computer Skills
*** MS Office programs
* Experience with lending computer software is preferred.
** Certificates, Licenses, Registrations
*** NMLS required.
** Other Qualifications** (including physical requirements)
* Time Management
* Strong leadership skills
* Able to motivate and lead others
* Must possess oral and written communication skills
* Must maintain the ability to perform in a…