Commercial Banker - Kc Northland

COMMERCIAL BANKER

This position is responsible for the acquisition of new commercial banking clients and the expansion/retention of existing relationships. This position will help structure, underwrite, negotiate, and manage complex credit relationships. This position is responsible for developing and executing relationship management plans for high value clients, including effectively collaborating with client support and product teams as well as senior management. This position must be knowledgeable of the financial needs of our clients and the Bank's products, including deposit, treasury, card processing, trust, and private banking solutions.

Business Development:

Maintain and grow a profitable book of business through disciplined and proactive business development and relationship management.

Remain highly focused on our target client profile; understand their financial needs and effectively communicate our value proposition.

Develop an in-depth knowledge of Bank products and services; analyze the needs of clients and prospects to effectively recommend appropriate products and services.

Attain established Bank production goals through active participation in the sales management process.

Participate in community events and networking activities to increase awareness and presence of Hawthorn Bank in the community.

Underwriting:

Effectively identify key risk factors associated with business opportunities and clearly articulate a thorough credit recommendation.

Prepare credit presentations and participate in the underwriting and credit approval process.

Structure, underwrite and obtain credit approval, negotiate terms, and document credit actions and agreements.

Ensure all loans are documented completely and that any documentation or loan policy exceptions are addressed and resolved.

Relationship Management:

Take ownership of the client relationship with the Bank.

Prioritize relationships effectively; have appropriate relationship management plan for each client.

Take a consultative approach to understanding our client’s objectives, effectively identify their financial needs, implement appropriate financial solutions, and undertake ongoing review and assessment to ensure plan execution.

Collaborate with other banking teams and senior management to ensure an excellent client experience.

Anticipate client needs.

Maintain a working knowledge of bank operating policies and procedures which impact commercial relationships.

Portfolio Management:

Accountable for overall portfolio management, compliance, and risk.

Monitor direct and operating exposure of portfolio to ensure actual performance is consistent with approved limits and loan structures and consistent with the understanding and expectations that informed our credit approval.

Initiate timely changes to risk ratings to reflect changes in conditions that impact our client and the Bank’s risk exposure, including regulatory compliance.

Complete accurate and timely credit actions, including periodic reviews, renewals, and modifications.

Ensure that borrower reporting requirements and financial covenants are met.

Work in close partnership with credit administration.

Maintain loan portfolio.

Teamwork and Leadership:

Treat people with respect; keep commitments; inspire the trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions.

Exhibit leadership by example, pursuing high performance and professionalism.

Complete Bank training requirements; comply with all Banking regulations, policies, and procedures; maintain proficient knowledge of the rules and regulations; complete administrative tasks accurately and on…