Position OverviewThe Commercial Banker is responsible for growing and retaining profitable relationships with the Community Banking to Middle Market segment, i.e., companies with annual revenues in excess of $10 million. This is accomplished by focusing on the delivery of value-added financial solutions to clients and prospects that will help them reach their goals and maximize the Bank's revenues over the life of the relationship. Incumbents at this level are expected to manage a portfolio of $50 million+ and prospect for loans in the $1 million--$20 million range. This is a lending generalist position, and incumbents are expected to book a minimum of $12 million--$15 million in C&I and Commercial Estate business, with the emphasis on C&I.
Essential Job Functions- Builds relationships with customers and prospects to thoroughly evaluate their commercial banking needs. Major focus will be lending with additional emphasis on cross-selling Cash Management products, Retail Banking and Mortgage products, and Wealth Management services.
- Closely assesses business opportunities to ensure that the potential business follows prescribed profitability standards.
- Creates and executes comprehensive business/calling/prospecting plan to maximize business opportunities and relationships.
- As a seasoned lender, incumbent is expected to prospect for solid credits and relationships in markets that are inside and outside the Bank's historical footprint.
- Responsible for expanding Centers of Influence base via ongoing, results-oriented community networking.
- Builds internal relationships with non-Commercial business unit representatives by inviting them out on appropriate client calls and working collaboratively to meet the banking needs of middle market customers.
- May partner with manager to coach/mentor more junior lenders.
Minimum Requirements - AVP LevelUndergraduate degree in Business or related field and three or more years of experience in a commercial banking role with a proven track record of successful business deals that feature total relationships, or equivalent combination of education and experience.
Minimum Requirements - VP LevelUndergraduate degree in Business or related field and five or more years of experience in a commercial banking role with a proven track record of successful business deals that feature total relationships, or equivalent combination of education and experience.
Competencies- Proven relationship management skill and the ability to establish rapport with business owners.
- Quantifiable credit skills and a proven sense of discernment about credit quality.
- The ability to comprehensively understand the banking/financial needs of current and prospective customers.
- Ability to develop comprehensive, results-oriented business plans that emphasize calling, prospecting and customer retention.
- Excellent written and verbal communication skills as well as strong listening skills.
This job description is not intended to be all-inclusive. Employee may perform other duties as assigned to meet the ongoing needs of the organization.
Note: Job levels and hiring decisions are based upon both the business needs of the department and the qualifications of the incumbent. In some cases, an incumbent may meet the requirements the senior level but may be hired in at a lower level based upon business needs and staffing dynamics.
Location Details: Incumbent may work onsite at any of the locations listed.
This position is considered a hybrid role. With management approval, an incumbent may work a combination of remote and onsite work to perform the regular responsibilities of the role. Actual schedule requirements may vary based upon business needs.
Compensation & BenefitsAVP LevelBase pay: $87,500 - $115,000
Officer Bonus Eligible: Eligible to participate in the Annual Officer Incentive plan with a target bonus up to 40% of base salary based various performance components.
VP LevelBase Pay: $110,000 - $150,000
Officer Bonus Eligible: Eligible to participate in the Annual Officer Incentive plan with a target bonus up to 40% of base salary based various performance components.
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