Commercial Banking Officer

Commercial Banking Officer – State Bank

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• B.S. or B.A. degree in a related field normally required; specialized banking education and training.
• Minimum of five (5) years of experience in related positions normally required.

• Proficient reading, writing, grammar, and mathematics skills.
• Proficient interpersonal relations, communicative, and sales skills.
• A thorough knowledge of the features and benefits of all bank commercial products and services.
• A working knowledge of bank operating policies and procedures which impact commercial services.
• Valid driver's license.

Responsible for developing and managing the commercial and industrial loan relationships; achieving customer service goals as established in the Commercial Services Department's annual operating plan.

• Develop and manage the commercial and industrial loan relationships that are typically the largest and most complex.
• Jointly establish quantitative sales objectives, with assigned supervisor, on an annual basis; integrate these objectives with the Commercial Services Department's annual marketing/sales plan.
• Solicit new business from present and prospective customers; interview applicants; maintain ongoing business relationships with present customers to leverage additional cross‑selling opportunities.
• Provide sales information on a timely basis for inclusion in customer service and sales performance reports.
• Monitor individual sales performance versus objectives on a regular basis; discuss performance with appropriate supervisor frequently.
• Serve as a member of the bank's sales team (e.g., Sales Managers); make group sales calls that improve opportunities for new business development.
• Maintain a thorough knowledge of the features and benefits of all bank commercial products and services to ascertain customer needs and sell accordingly.
• Collect and analyze financial, credit, and related information; provide direct service to commercial customers regarding deposit, loan, and other products and services; approve or reject loan applications within individual lending authority; negotiate provisions and structures of loans.
• Make presentations to the appropriate loan committee.
• Assist customers in obtaining specialized services from other bank departments as necessary; provide help with specific inquiries or service problems including loan policy.
• Maintain a working knowledge of bank operating policies and procedures which impact commercial services.
• Prepare and maintain accurate records of all customer service calls made and meetings held with present and prospective customers.
• Monitor loan repayment activities.
• Abide by current laws and organizational policies designed to promote an environment free of sexual harassment and other forms of illegal discriminatory behavior.
• Cooperate with and support adherence to all internal policies, procedures, and practices related to risk management, safety, soundness, and regulatory compliance (e.g., CRA, BSA, ECA).
• Coordinate departmental tasks with coworkers inside and outside the department to ensure an efficient process and proper segregation of duties.
• Report pertinent information to the immediate supervisor as requested or according to an established schedule; comply with information requirements and provide data to appropriate bank personnel.
• Respond to inquiries related to the area or requests from other bank personnel or customers within given time frames and established policy.
• Maintain appropriate records and provide assigned reports.
• Actively participate in community activities in a manner that reflects favorably on the bank.

• May attend sales and trade meetings as a bank representative to develop new business and gain information and leads on new business relationships.
• Perform tasks that are supportive in nature to the essential functions of the job, but which may be altered or re‑designed depending on individual or departmental circumstances.

• Occasionally ascend/descend stairs to move through different floors of the location.
• Occasionally position self to accomplish tasks in various environments, including tight and confined spaces.
• Occasionally remain in a stationary position, often standing or sitting for prolonged periods.
• Occasionally move around inside the office to accomplish tasks.
• Assess the accuracy, neatness, and thoroughness of work assigned.
• Occasionally exposed to outdoor elements such as precipitation and wind.
• Occasionally work around noisy environments.
• Perform primarily sedentary work that involves sitting/standing.

• Seniority level:
  Mid–Senior level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales
• Industries:
  Banking