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Coastal States Bank · 11 hours ago

Commercial Banking Lender

Atlanta, GA

Full-time

Onsite

Mid Level

Coastal States Bank is focused on building and maintaining strong relationships with commercial banking clients. The Commercial Banking Lender is responsible for acquiring new clients, managing portfolios, and ensuring profitability through effective relationship management and cross-selling of bank products.

BankingFinanceFinancial Services

Responsibilities

Maintain a strategic focus on commercial client activity through relational selling as a trusted advisor to assist the client in recognizing opportunities and risks while helping them accomplish their goals through their use of bank products and services

Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability

Reviews and analyzes complex financial information to determine a borrower’s credit worthiness

Present recommendations to credit risk by demonstrating a thorough understanding of credits presented

Responsible for the profitability of all commercial relationships within the portfolio

Responsible for ultimate portfolio management which may include borrowing base and/or construction draw processes, loan repayment activities, collection of past due accounts, and credit and collateral deficiencies

Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits

Actively cross sell other bank products to include deposits products and treasury management services to build profitable client relationships

Remain 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 and brand 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

Qualification

Commercial credit analysisPortfolio managementRelationship managementFinancial analysisNegotiating skillsEthicsTeam playerDetail-orientedCommunication