Senior Commercial Banking Officer

Overview

To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities.

Responsibilities

General Functions:

Responsible for performing a variety of duties to meet the commercial services needs of business customers; achieving customer service goals as established in the Commercial Banking Department's annual operating plan; complying with operating policies and procedures established for the commercial services function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports. Responsible to accurately risk rate assigned loan relationships on a timely basis.

Essential Duties:

• Perform a variety of duties to meet the commercial sales and services needs of business customers as follows:

• Maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities and solicit other new business.
• Makes outside sales calls on prospective customers to assess needs, and describe and sell products and services.
• 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., Branch Manager; 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.
• 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.
• Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.
• Maintains a working knowledge of bank operating policies and procedures with impact commercial services.
• Prepares and maintains accurate records of all customer sales and service calls made and meetings held with present and prospective customers.

• Provides quality service to customers, whether internal or external.
• Demonstrates cooperative efforts in working with other departments and within own department.
• Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Banking Department's annual operating plan.
• Complies with established operating policies and procedures in order to maintain adequate controls and to support the bank's adherence to outside regulatory requirements.
• Communicates with management and staff personnel in order to integrate goals and activities.
• 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.
• Monitors and reviews accounts for appropriate risk rating to avoid risk rating changes by Loan Review, the OCC or other loan review processes.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures and internal controls, and meet all job-specific requirements in a timely fashion

Qualifications

Education/Training:

B.S. or B.A. degree in related field of study; specialized banking education and training.

Skills:

Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communicative, and sales skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial services; valid driver's license.

Experience:

Minimum of seven (7) years' experience in related positions normally required with an emphasis in the Commercial Real Estate Financing area.

Other Job Information

Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.

Minimum

USD $106,000.00/Yr.
Maximum

USD $196,775.00/Yr.