SUMMARY:Under minimal direction, generates loans, deposits, fee income and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals.
ESSENTIAL JOB FUNCTIONS:- Calls on existing and potential customers to develop new business and/or expand and retain current business
- Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services
- Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
- Work closely with Credit partners in the administration of new and existing loan relationships
- Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority
- Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends
- Studies industrial, commercial, and financial situations relating to new or existing businesses
- Serve as a trusted advisor to customers
- Assists other Commercial Bankers, as needed
- Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank's outstanding loans
- Represents the Bank in business development efforts and civic and community functions
- Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
- Monitors loan payments and coordinates collection activities for all past due loans
- Serves in other capacities as requested
JOB REQUIREMENTS:- Bachelor's degree in Business or related field or equivalent in education and experience
- Prior banking experience in commercial lending
KNOWLEDGE/SKILLS REQUIRED:- Knowledge of lending regulations, compliance procedures, and credit analysis
- Strong sales, written and oral communications and interpersonal skills
- Proficiency in Windows-based PC systems and banking software
- Excellent customer service skills
- Detail-oriented with ability to excel in high-volume environment
- Ability to perform effectively in fast-paced environment
- Knowledge of Microsoft Office, especially Word, Excel and Outlook
PHYSICAL AND MENTAL QUALIFICATIONS:- Standing, walking, bending and stooping required
- Must be able to sit at a desk for long periods of time and use a computer
- Must be able to occasionally move or lift up to 10 pounds
- May be asked to work supplemental hours periodically
- Limited travel required occasionally during and after business hours
Salary Pay Range: $90,135 - $156,800 annually
Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays
