Commercial Banking Officer

Education & Experience

A B.S. or B.A. degree in a related field normally required; specialized banking education and training.

A 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.

• Develop and manage the commercial and industrial loan relationships; achieving customer service goals as established in the Commercial Services Department's annual operating plan.
• Jointly establish quantitative sales objectives with assigned supervisor on an annual basis; integrate with the department's annual marketing/sales plan.
• Solicit new business from present and prospective customers; interview applicants; maintain ongoing relationships to take advantage of 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 supervisor frequently.
• Serve as a member of the bank's sales team, e.g., Sales Managers; make group sales calls to improve opportunities for new business development.
• Maintain a thorough knowledge of the features and benefits of all bank commercial products and services to determine customer needs and make appropriate sales.
• Collect and analyze financial, credit, and related information; provide direct service to commercial customers regarding deposit, loan, and other miscellaneous products; approve or reject loan applications within individual lending authority; negotiate loan provisions and structures.
• Make presentations to appropriate loan committee.
• Assist customers in obtaining specialized services from other bank departments and help with specific inquiries or service problems, including loan policy.
• 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 organization policies designed to promote a harassment‑free and discrimination‑free workplace.
• Cooperate with, participate in, and support adherence to all internal policies, procedures, and risk‑management practices in compliance with regulatory requirements such as CRA, BSA, Equal Credit Opportunity Act, etc.
• Coordinate departmental tasks with coworkers inside and outside the department to ensure efficient processes and proper segregation of duties.
• Report pertinent information to immediate supervisor as requested or per schedule; comply with information collection and provide data to appropriate personnel.
• Respond to inquiries from customers, other staff, within established time frames and policy.
• Maintain appropriate records and provide assigned reports.
• Actively participate in community activities reflecting favorably on the bank.

• Attend sales and trade meetings as bank representative to develop new business and gather leads.
• Perform tasks supportive in nature to essential functions, which may be altered or redesigned based on circumstances.

• Occasionally ascend/descend stairs to move between floors.
• Occasionally position oneself in various environments, including tight and confined spaces.
• Occasionally remain in a stationary position, often standing or sitting for prolonged periods.
• Must be able to move about inside the office to accomplish tasks.
• Must assess accuracy, neatness, and thoroughness of assigned work.
• Occasionally exposed to outdoor elements such as precipitation and wind.
• Occasionally work in noisy environments.
• Sedentary work primarily involves sitting/standing.

Mid‑Senior level

Full‑time

Finance and Sales

Banking