What are the responsibilities and job description for the Commercial Banking Officer position at Bell & Associates, Inc.?
Commercial Banking Officer – Confidential
Our client, an established financial institution, is seeking an experienced Commercial Banking Officer to drive new business development while managing and growing a portfolio of commercial banking relationships. This individual will be responsible for originating commercial loans, evaluating creditworthiness, structuring financing solutions, and developing long-term client relationships.
Responsibilities
- Proactively identify and develop new commercial banking relationships through networking, referrals, cold calling, and Centers of Influence (COIs).
- Manage an existing portfolio of business clients while identifying opportunities to expand relationships.
- Cross-sell additional banking products, including treasury management and deposit services.
- Meet with prospective borrowers to understand their financial needs and structure appropriate lending solutions.
- Originate and structure Commercial Real Estate (CRE), Commercial & Industrial (C&I), and SBA loans in accordance with lending and risk guidelines.
- Analyze financial information and creditworthiness to evaluate potential lending opportunities.
- Monitor the financial performance of existing borrowers and manage loan renewals.
- Maintain accurate, current, and compliant credit files.
- Develop strong referral relationships with CPAs, attorneys, real estate professionals, and other business partners.
- Represent the organization through community involvement, networking events, and civic organizations.
Qualifications
- Bachelor’s degree in Business, Finance, or related field.
- Minimum of 5 years of banking experience.
- Commercial lending and/or commercial real estate lending experience required.
- Proven ability to prospect, develop new business, and close commercial lending opportunities.
- Strong understanding of credit analysis and financial statements.
- Excellent relationship-building, communication, and negotiation skills.
- Ability to independently manage and grow a commercial loan portfolio
Salary : $100,000 - $140,000