Commercial Banker

• Title:
  
  Commercial Banker
• Type:
  Full Time
• Experience:
  
  5-7 Years
• Function:
  Commercial Banking
• Location:
  
  Warner Robins, GA, United States
• Company:
  Morris Bank

Morris Bank is a community-focused financial institution offering personal and business banking, loans, digital services, and tailored financial solutions to local customers.

The bank is searching for a Commercial Banker who will be responsible for developing, managing, and growing profitable commercial banking relationships within the community.

Originate quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank’s mission to strengthen the local economy.

Actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality.

• Bachelor’s Degree in business or finance preferred, or equivalent experience

• 5 to 7 years of lending experience within a financial institution (preferred), but related accounting or finance industry experience (considered)

• Build strong, long-term relationships with business owners, executives, and community leaders.
• Deliver customized solutions and consultation to customers and prospects of the bank.
• Maintain regular contact with customers to assess needs and identify opportunities for additional services.
• Proactively identify, solicit, and develop new commercial banking relationships within the bank’s target market.
• Promote the bank’s full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services.

• Gather and analyze financial information to determine creditworthiness and loan structure.
• Negotiate terms, pricing, and structure of credit facilities.
• Prepare and present credit recommendations for approval.
• Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines.

• Ensure all loan files, documentation, and servicing requirements are complete and accurate.
• Identify and address early warning signs of potential problem loans.
• Manage loan renewals and covenant compliance.
• Monitor loan performance and maintain credit quality through ongoing review and relationship contact.

• Actively participate in local business, civic, and community organizations to enhance the bank’s visibility and reputation.
• Represent the bank at networking, chamber of commerce, and industry events.

• Adhere to all bank policies, procedures, and applicable banking regulations.
• Maintain current knowledge of market conditions, industry trends, and competitors’ offerings.

• Ability to exercise personal and professional responsibility and work under minimal supervision
• Adaptive to change
• Microsoft Word and Excel, Internet Explorer, Web-Based Applications
• Demonstrated ability to communicate effectively and professionally with business customers and with team members
• Excellent interpersonal, verbal, and written communication skills; demonstrated ability to communicate complex facts to a variety of people
• General knowledge of the Bank Secrecy Act/Anti-Money Laundering Program preferred
• Strong attention to detail, good judgment, and decision-making skills
• Demonstrated ability to positively persuade customers and identify and meet their financial banking needs
• Strong planning and organizational skills
• Builds and maintains productive relationships with people throughout the organization

• Customer Relations
• Decision Making/Judgment
• Loan Credit Performance
• Policy Compliance
• Productivity

• Requires extensive contact with the general public
• May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training
• Must be capable of operating all types of office equipment, including computers, copy machines, fax, and telephone
• Use computer, telephone, fax machine, scanner, photocopier

Morris Bank is an Equal Opportunity Employer.