The Commercial Lender develops, expands, and retains profitable commercial banking relationships through a disciplined, client-centered business development approach. This position identifies client needs and connects clients with appropriate solutions across the Bank’s lines of business. Success is measured by net loan and deposit growth, fee income, qualified referrals, effective portfolio management, and sustained asset quality. The Commercial Lender I is expected to manage a portfolio of up to $10 million.
PRINCIPAL DUTIES AND RESPONSIBILITIES
- Structures and negotiates terms for commercial credit facilities, evaluating pricing, risk, profitability, repayment structure, and collateral requirements.
- Reviews and analyzes complex financial information to assess borrower creditworthiness and repayment capacity.
- Prepares and presents well-supported credit recommendations to the loan committee, demonstrating a thorough understanding of each proposed credit.
- Manages the profitability and overall performance of commercial relationships within the assigned portfolio.
- Monitors repayment performance, manages past-due accounts, and addresses credit or collateral deficiencies in a timely manner.
- Maintains complete and accurate credit files in accordance with loan policies and procedures to support satisfactory internal and external audit reviews.
- Proactively identifies opportunities to cross-sell Bank products and services, including commercial banking, treasury management, and wealth management solutions, to deepen client relationships.
- Establishes and achieves individual performance goals while collaborating effectively to support departmental and Bank-wide objectives.
- Ensures departmental documentation and activities comply with all applicable laws, regulations, policies, and procedures, including the timely completion of required compliance training.
- Performs additional duties and responsibilities as assigned.
Qualifications
EDUCATION AND/OR EXPERIENCE
- Bachelor’s degree in Business, Finance, or related field, preferred.
- 1-3 years’ experience in commerical lending role, required.
- Prior experience in lending and/or credit, preferred.
KNOWLEDGE, SKILLS, AND ABILITIES
- Knowledge of commercial banking and ability to analyze financial information.
- Ability to exercise sound judgement when establishing and maintaining relationships.
- Ability to read, analyze, and interpret policies, contracts, and credit and financial documents.