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State Bank · 1 day ago

Commercial Banking Officer

Sylvania, OH, US

Full-time

Onsite

Senior Level

5+ years exp

State Bank is a financial institution seeking a Commercial Banking Officer to develop and manage commercial and industrial loan relationships. The role involves achieving customer service goals, soliciting new business, and maintaining ongoing relationships with customers to maximize sales opportunities.

BankingCommercial LendingConsumer LendingFinanceFinancial Services

Responsibilities

Develops and manages the commercial and industrial loan relationships which are typically the largest and most complex by performing the following:

Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Commercial Services Department's annual marketing/sales plan

Solicits new business from present and prospective customers; interviews applicants; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities

Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports

Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis

Serves as a member of the bank's sales team, e.g., Sales Managers; makes group sales calls where these types of calls will improve the opportunity for new business development

Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs

Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority; negotiates provisions and structures of loans

Makes presentations to appropriate loan committee

Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems including loan policy

Maintains a working knowledge of bank operating policies and procedures which impact commercial services

Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers

Monitors loan repayment activities

Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Services Department's annual operating plan

Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place

Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc

Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties

Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; complies information as necessary or as directed and provides date to appropriate bank personnel

Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy

Maintains appropriate records and provides assigned reports

Actively participates in community activities in a manner which reflects favorably on the bank

May attend sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships

Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances

Qualification

Commercial banking knowledgeSales skillsFinancial analysisBank operating policiesInterpersonal skillsMathematics skillsCustomer serviceCommunication skills