Commercial Banker | West Newberry

West Newberry Office
5200 Newberry Road
Gainesville, FL 32607, USA

Commercial Banker
- Capital City Bank
- More than your bank. Your banker.

Hours:

Monday
- Friday 40 Hours

General

Summary:


Makes and services a wide variety of secured and unsecured commercial loans, most of which involve large amounts of money and high-end clients. Sells and services existing and prospective commercial client relationships. Handles the personal banking needs for business clients as required. Calls on potential or existing customers to develop new business and increase or retain existing business.

In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required. (include if applicable)

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities:

• Interviews applicants to develop information concerning their business needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk.
  Analyzes credit application to determine credit worthiness by examining credit reports, verifying pay and determining debt to asset ratio. Makes sound underwriting and loan decisions within established lending limits.
• Negotiates credit terms, such as costs, loan repayment methods and collateral specifications. Makes recommendations to Credit Committee.
• Gives financial advice and counsel to clients and prospective clients within the parameters of a banking relationship.
• Delivers other Bank products by referral to appropriate partners including CCHL Residential Mortgage, Capital City Bank Investments, Capital City Bank Trust, Treasury Management, etc. and adheres to all stated annual goals.
• Organizes tracking of loan status, and follows current loans to ensure complete compliance with terms.
• Collects on past due loan payments.
• Manages one administrative assistant. Conducts annual performance evaluations and makes salary recommendations.
• Studies industrial, commercial and financial situations relating to new or existing businesses.

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank, Capital City Wealth, and Capital City Home Loans, with department managers setting the standard.

Associated Duties

Provides additional support to manager and department colleagues.

Completes all assigned/required Bank training within established timelines.

Knowledge,

Skills and Abilities

(KSAs) Required
The following KSAs are usually acquired through college education with specialized commercial/business training course(s) and a minimum of five to seven years related business lending and underwriting experience:

• Relies on experience and judgment to plan and accomplish goals.
• A wide degree of creativity and latitude is expected.
• Excellent communication and sales skills.
• Background in bank lending policies and procedures.
• High degree of personal integrity.
• Ongoing sales and product knowledge training is expected.

Education

Bachelor’s Degree in Finance, Business, Accounting, or related field, from an accredited college required. Relevant experience may substitute for the education requirement.

Working Conditions

• Makes personal business calls to clients and prospects.
• Some limited travel may be required.
• After hours and civic involvement will be required.
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to…