Commercial Banking Officer

Job Description

Under the direction of the Commercial Banking Center Manager, the Primary Relationship Officer ("PRO") is the primary contact between the bank and assigned commercial clients. The PRO is responsible for all aspects of the client relationship and, as needs dictate, involves other bank officers and specialists to ensure that the client’s credit and non‑credit needs are met in a timely and profitable manner.

The PRO negotiates credit in type, amount, and structure appropriate to the company’s borrowing needs and financial capacity. The PRO identifies and monitors risks and actively manages the credit aspects of the relationship with support from the Commercial Credit Group.

• Markets appropriate and profitable credit and non‑credit products and services to existing and prospective bank clients; maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects; builds relationships with existing referral sources and cultivates new referral sources both internally and externally.
• Develops and executes a client relationship strategy plan to achieve win‑win solutions for bank and client. Regularly assesses and evaluates company management, business operations and industry; completes and updates the Client Information Sheet.
• Negotiates and provides needs‑based solutions of credit and non‑credit products and services to existing and prospective clients.
• Regularly calls on clients, documents call results in written memorandum to the credit file, and provides current and forward‑looking information to facilitate the completion of Credit Write‑up, quarterly Asset Quality Report, and annual reviews for stand‑alone term loans or multi‑year facilities.
• Prepares formal written request for credit assistance in a timely manner to renew, cancel, or restructure credit facilities; prepares and updates the Client Information Sheet and Risk Adjusted Return On Capital (RAROC) worksheet as needed.
• Ensures borrower and transaction risk ratings are accurate at all times and promptly updates ratings to reflect changed conditions; responsible for keeping the system of records current.
• Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtaining client signatures.
• Performs all other miscellaneous responsibilities and duties as assigned.
• Ensures compliance with applicable laws, regulations, and Bank policies including Fair Banking, Anti‑Money Laundering laws, Bank Secrecy Act, and USA PATRIOT Act.

• Bachelor’s degree preferably in business or related area from an accredited institution, or equivalent work experience.
• Commercial lending experience (preferred; see attached for required years of experience):
  • Commercial credit experience as an Underwriter.
  • Loan work‑out training and/or experience helpful.
  • Relevant product and service knowledge.
  • Sales or marketing experience with corporate/business relationship management.
• Must have a thorough understanding of financial statements and their analysis, including cash‑flow lending.
• Proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software; knowledge of or ability to use Bank software and systems.
• Well‑developed analytical and problem‑solving skills, excellent writing, speaking, and presentation skills; ability to express complex ideas in concise and simple terms.
• Strong networking and business‑development skills; solid product knowledge and business acumen; ability to build strong working relationships and partnerships across the organization with a collaborative and consultative approach.
• Team player; willing to work flexible hours, including holidays, weekends, and evenings as needed or assigned.
• Must be able to provide own transportation or operate a vehicle with a valid driver’s license and commute as required; able to travel by air as needed.

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