VP, Commercial Banker

Gateway First Bank

$110K — $130K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's Degree in Accounting, Finance, or Business, or equivalent experience.
  • 10 years in Commercial Lending/Banking with a strong focus on client relationship management.
  • Advanced knowledge of commercial lending policies and procedures.
  • Proficient in MS Office applications, especially for reporting and presentations.
  • Strong interpersonal and communication skills for effective client interactions.
  • Ability to work in a fast-paced, dynamic environment with tight deadlines.
  • Deep understanding of credit assessment and risk management.

Responsibilities

  • Ensure the team maintains excellent asset quality in the loan portfolio.
  • Prepare and present detailed Loan Committee presentations.
  • Develop and manage a diverse portfolio of larger and more complex client relationships.
  • Actively prospect for new business deposits and loan relationships.
  • Monitor compliance with all policies, procedures, and regulations.
  • Promote growth in the commercial loan portfolio and enhance service quality.
  • Manage team through hiring, mentoring, and performance reviews.

Benefits

  • Career development and coaching opportunities.
  • Supportive work culture aligned with company values.
  • Exposure to a variety of complex commercial banking scenarios.
Full Job Description
VP, Commercial Banker JOB SUMMARY:

The VP, Commercial Banker is responsible for creating and maintaining quality and profitable relationships with commercial clients for the full array of products and services made available by the company. Develops and maintains a portfolio of quality commercial credits priced to generate adequate profit for the bank.

VP, Commercial Banker ESSENTIAL FUNCTIONS (RESPONSIBILITIES):

* Ensures commercial team maintains asset quality of loan portfolio and monitors appropriate delinquency rate of assigned loan portfolios.

* Prepares accurate Loan Committee presentations following established guidelines.

* Presents loan information to the committee and answers questions promptly and accurately.

* Develops and services a variety of the larger and often more complex customer relationships, including actively promoting referrals to other areas of the company.

* Prospects business deposits and loan relationships in the company target market using local networks and personal connections.

* Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

* Promotes the development and service of a commercial loan portfolios.

* Monitors loan portfolio to maintain a high-quality asset base; maintains up-to-date client files including all required financial records and loan documentation.

* Works with credit administration in risk rating analysis, risk rating measurements, and annual review process. Works with compliance and credit administration staff to assure documentation, forms, and policies are maintained within bank and regulatory guidelines.

* Participates in the department hiring, promotion, and review process while managing, mentoring, and improving support staff performance. Coaches and develops team to ensure we are meeting the needs of the company.

* Exercises awareness with regard to possible suspicious activity, money laundering or fraudulent behavior and reports any such incidents to the BSA department. Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.

* Performs related responsibilities as required or assigned.

VP, Commercial Banker REQUIRED QUALIFICATIONS:

Knowledge/Skills/Abilities
* Advanced knowledge of commercial lending and regional / community banking.
* Advanced knowledge of commercial lending policies, procedures, and processes.
* Strong credit skills.
* Strong interpersonal skills.
* Excellent communications skills.
* Proficient in MS Office applications.
* Ability to communicate with all levels of the organization.
* Ability to work in a fast-paced, dynamic environment.
* Exemplifies the Gateway Values: Stay Growth Oriented, Make a Difference, "Get it Done" Attitude, Be a Team Player, Do the Right Thing.

Equivalent Education/Experience
* Bachelor's Degree in Accounting, Finance, Business, or equivalent years of related work experience.
* 10 years of experience in Commercial Lending / Commercial Banking, including sourcing (business development) and ongoing management of client relationships consisting of credit and treasury / deposit business (i.e., total relationship banking).

VP, Commercial Banker SPECIAL JOB DIMENSIONS:

Work requires conformation to tight deadlines, working with highly sensitive or confidential information and up to 30% travel.

NOTE: The essential job functions and associated qualifications contained in this document describe the general nature and level of the work performed. They are not intended to represent an exhaustive listing or be inclusive of all aspects of the job. The tasks and procedures involved in the performance of the essential job functions may vary from day-to-day. Major changes in areas of responsibility may occur, as directed by management, and will require revision of this job description.

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