Commercial banker job description

Primary Office Location:

1000 Bestgate Road Suite 105. Annapolis, Maryland. 21401.


Join our team. Make a difference - for us and for your future.


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Position Title: Commercial Banker 3
Business Unit: Commercial Banking
Reports To: Commercial Banking Team Leader

Position Overview:
This position is primarily responsible for developing new and existing commercial loan business relationships, administering a portfolio of commercial loans, determining the credit worthiness of borrowers, monitoring loan performance, preparing commercial loans for presentation and promoting the Bank's image in the community in order to meet or exceed commercial loan quality, profitability, growth and service objectives. The incumbent provides the highest quality of service to every customer.

Primary Responsibilities:
Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products including other banking services and to promote the Bank's image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives.
Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives.
Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the net realizable value of the collateral in accordance with established policy and procedure to ensure a portfolio of commercial loans that meet the Bank's quality standards.
Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems and when appropriate waiving a request for financial statements according to established policies, procedures and regulations in an accurate and timely manner to reduce risk the Bank might incur from collateral deterioration or borrowers' inability to pay.
Prepares loan documents that are in compliance with bank regulations for presentation, presents loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits communicating all elements of the loan to ensure compliance with regulations and to enhance the ability to make sound credit decisions.
Promotes the Bank's image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations to assist in compliance with the Community Reinvestment Act, presents a favorable image in the community and establishes contacts that could generate new business.
Develops and maintains an adequate level of knowledge in Commercial Banking, general banking and business development matters and demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.
Implements all compliance policies and procedures within the department and ensures the department staff receives adequate regulatory compliance training to perform job functions in compliance with regulatory requirements and standards, follows corporate Compliance policies and procedures and cooperates fully with all internal and external compliance reviews and examinations.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
High School or GED

Minimum Years Experience:
10

Special Skills:
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent customer service skills
Excellent organizational, analytical and interpersonal skills
Ability to use a personal computer and job-related software
MS Word - Intermediate Level
MS Excel - Intermediate Level
MS PowerPoint - Intermediate Level
BA or BS preferred. Experience in a lending banking position and in an equivalent customer focused position. Knowledge of banking laws and regulations. Experience in community and civic activities.

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A

**Performs necessary real estate based credit analysis, due diligence, and review of documents for new and existing relationships and monitors/manages ongoing performance/risk of accounts within his/her assigned portfolio under limited direction of credit executive. Recognized for superior credit knowledge, real estate lending and transaction knowledge and analytical abilities. Serves as independent, key resource concerning credit issues on assigned portfolio of relationships. A contributing member of the business development deal team, managing the biggest and most complex transactions and relationships with little or no guidance from immediate manager. Serves as a mentor to more junior credit managers and credit analysts.**

**Performs independent technical/specialized analysis of commercial real estate relationships generally involving more complex and larger size portfolios of $25MM+ of debt collateralized primarily by stabilized apartment complexes.**

**The incumbent should have experience in real estate investment analysis, finance and budgeting, basic legal knowledge regarding suits, liens, judgments, foreclosures (judicial/non judicial foreclosure), garnishments and bankruptcy laws, asset base lending, and commercial lending. While an incumbent may not directly supervise the work of others, they will be expected to work in an autonomous environment while providing guidance to others in Commercial Term Lending. This will be accomplished by responding to credit related questions and identifying training needs.**

**Credit Managers at this grade level consistently apply the highest work standards, effectively prioritize and execute work assignments, and formulate accurate conclusions independently without supervision. Assignments are broad in scope, with considerable latitude for un-reviewed action or significant decision-making. Employees determine/prioritize the work to be accomplished based on knowledge of overall management objectives and select appropriate methodologies independently to produce the desired result. Recommendations and work products are assessed within normal performance review cycles.**

**1. Performs complex real estate based financial analysis, identifies risk, and interprets data for management's use in rendering sound credit decisions. Analysis is based on property operating statements, rent rolls, schedule of real estate owned and client's financial balance sheet.**

**2. Completes credit actions (annual family credit reviews) summarizing the financial analysis completed on a client's portfolio including recommendations for future business.**

**3. May serve as a project leader on special assignments, including the evaluation of income property loan portfolios, training less experienced credit manager/analyst or division employees, and updating credit policies.**

**4. Formulates new analytical processes and enhances existing reports to improve the quality of information available to top management.**
**Qualifications:**

**Knowledge Requirements:**

**• Computer proficiency skills in Excel (financial modeling), Microsoft Word, and Access.**

**• Standards, practices, methodologies, and regulatory requirements relative to the finance/accounting disciplines.**

**• General concepts relating to IRR (Internal Rate of Return) and NPV (Net Present Value) spreadsheet models.**

**• Concepts and methodologies relating to database access and maintenance preferred.**

**• Deep understanding of Commercial real estate valuation concepts and methodologies**

**• Extensive working experience with property cash flow analysis historical and pro-forma**

**• Knowledge of risk rating methodologies and credit risk assessment processes for commercial real estate loans.**

**Demonstrated Ability:**

**• Establish and maintain effective relations with internal and external clients as required by the duties of the position.**

**• Understand and interpret financial/performance data for multifamily and commercial properties.**

**• Become conversant with the policies, standards, procedures, and regulations applicable to the assigned work unit in a timely manner.**

**• Understand and apply financial analysis methodologies to achieve/produce a desired result.**

**• Express ideas and convey technical information in written, oral, and electronic communication.**

**• Interpret results of credit analysis and formulate effective recommendations.**

**• Develop mathematical models that produce the desired result.**

**• Identify deficiencies in the modeling environment and execute corrective action to forestall or remedy the issue.**

**• Provide effective guidance and performance feedback to junior employees and others in Commercial Term Lending.**

**• Independently plan and conduct non-routine financial analysis/reporting projects.**

**• Ability to serve as functional technical expert in responding to customer inquiries and resolving system related issues.**

**• Thorough understanding of risk impact and consequence of errors in formulating decisions and providing direction to others.**

**Experience / Education Requirements**

**• Graduation from a college or university with major course work in a discipline related to the work of the position.**

**• Minimum requirements of 7+ years experience in real estate lending in construction and permanent financing, underwriting, loan review and/or loan workouts.**

**• Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position. Additional qualifying education may be substituted for a maximum of two years of the experience requirement. Additional qualifying work experience may be substituted for a maximum of two years of the education requirement**

JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

Equal Opportunity Employer/Disability/Veterans

Job Details

Level
Experienced

Job Location
12th Broadway St. - Quincy, IL

Position Type
Full Time

Education Level
4 Year Degree

Travel Percentage
Up to 25%

Job Category
Banking

Job Summary & Key Accountabilities

First Bankers Trust Company is offering an exciting job opportunity for interested candidates! Apply today at and you'll enjoy a fulfilling career along with these additional perks:

• Competitive full benefits package including HSA with investment options, 401K with match, and profit sharing
• Vacation and PTO time reflective of your experience
• Participation in our company-wide employee wellness incentive program
• Access to over 6,000 personal and professional development on-line courses, hosted by Udemy Business
• Focus on career development
• Opportunities to help others and make a difference in the community

The
Commercial Banker
is responsible for developing and managing a $25-$35 MM loan portfolio that meets established lending requirements and provides maximum profitability to the bank with minimum risk. This position will work closely with the financial institution's broader lending and credit teams, compliance team, and operations. The successful candidate must possess strong communication skills and a propensity for building and maintaining strong relationships with clients.

• Establishes and maintains relationships with potential and established lending clients and manages the associated loan portfolio.
• Analyzes potential loan markets to find opportunities to promote loans and financial services.
• Interviews clients and collects and analyzes financial and related data to determine the general credit-worthiness of the prospects and merits of the specific loan requests.
• Analyzes, establishes and negotiates the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral payments.
• After evaluating the creditworthiness of a particular lending opportunity, makes decisions on loans and terms within established lending limits, or makes recommendations to a supervisor and/or the loan approval committee.
• Handles walk-in and call-in commercial loan applicants.
• Counsels applicants on loan repayments policies and restrictions.
• Monitors loan status, including repayment activities, and takes action to collect from past due accounts when necessary.
• Develops materials for and makes loan presentations to the Loan Officers Committee and the Director's Loan Committee, as required.
• Assists Vice President/Commercial Bankers with deal flow, renewals and niche market efforts.
• Participates in community events and activities to increase the bank's visibility and to uncover new business opportunities.
• Develops and executes special projects as required.
• Performs other related duties as assigned.

Key Competency Requirements

• Bachelor's Degree in Finance, Business, related field or equivalent experience
• 5-7 years of related experience/exposure within the banking industry
• Demonstrates aptitude for mathematical and/or financial transactions
• Demonstrates experience developing business and prospecting
• Demonstrates strong value selling and negotiations skills
• Demonstrates excellent relationship building capabilities
• Demonstrates ability to execute day to day work under limited supervision
• Demonstrates strong customer service skills (customer-oriented)
• Demonstrates ability to thrive in a fast-paced environment and multi-task daily job duties
• Demonstrates ability to make fact-based/data driven decisions in stressful situations
• Demonstrates ability to address complex job related/technical issues and problems
• Demonstrates strong written and verbal communication skills
• Demonstrates strong team collaboration/team work skills, with ability to work in diverse teams and build/maintain positive working relationships
• Demonstrates ability to interact efficiently with banking software, as well as utilize common office applications including Word, Excel, Outlook, and related applications; willingness to learn new technologies
• Demonstrates ability to work with a significant amount of detailed information in an accurate, timely and confidential manner

First Bankers Trust Company is a community-oriented financial institution working hand in hand with customers and the community to help individuals and groups achieve their dreams through high value, innovative financial products and services. We are a culture focused on helping others, communication and collaboration, family-friendliness, and thoughtful, supportive team members.

Our values reflect our culture: Everyone is Valued, Do The Right Thing, Friendly Family, & Fun, Dream Big/Act Small, Accountability, Innovation

We are an equal opportunity employer that values diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position.