Job Description

The Commercial Banker is essential in managing and nurturing relationships with small to mid-sized businesses generating less than $25 million in gross sales. This role engages collaboratively with the sales team to establish, build, and maintain strong banking relationships, driving the overall success and growth of the assigned sales territory. As the primary relationship manager, the banker represents the bank in all client interactions and oversees the credit process, including credit underwriting, advanced portfolio management, risk identification, and adherence to loan covenants. Responsibilities also include ongoing portfolio management, collateral monitoring, and ensuring compliance with the bank's risk and credit grading standards. The position demands individual initiative and effective collaboration to meet business objectives.

Principal Duties & Responsibilities:

• Consistently meets and exceeds individual and/or team sales goals, including deposits, loans, and other applicable metrics.

• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts to meet or exceed the Bank’s strategic goals.

• Independently analyzes credit worthiness, and conducts preliminary financial statement analysis against bank risk standards and applicable product requirements to preliminarily determine potential credit worthiness.

• Generates proposals and develops sales strategies at an expert level.

• Develops, expands, and maintains referral sources.

• Documents the relationship management process.

• Works with clients to analyze problems and propose solutions.

• Acts as the client’s advocate in securing suitable credit and cross-selling products and services.

• Structures and completes secured and unsecured business loans.

• Evaluates business, management, industry, financial, and structural risks, and documents assessments in credit approval documents.

• Organizes and leads involved sales initiatives, including generating complex, customized proposals.

• Works to develop and maintain solid relationships with all partners.

• Maintains expert-level knowledge of all bank products and services.

• Participates in special projects as needed.

• Must be willing to participate in community organizations and activities.

• 5-7 years experience in Commercial Banking.

• Must have strong credit and lending understanding and experience.

• Must be highly capable of meeting sales goals, independent activity in direct banking sales and credit support as well as maximizing cross-sell opportunities and relationship profitability.

• Knowledge of commercial banking products and services including credit analysis, underwriting, and treasury management products and services.

• Demonstrated strong financial acumen and high level of problem solving skills.

• Effective communicator, results oriented, demonstrates the ability to excel in high-pressure situations.

• Exhibit strong interpersonal skills with the ability to cultivate long term relationships and influence others internally and externally.

• Knowledge of Microsoft Office products: Word, Excel and Outlook.

• Formal credit training, preferred.

• Bachelor's Degree in Business Administration or an equivalent required. 

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP   here .
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at  employment@citynational.com . 

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