Location: Beaumont,TX, USA
Position Summary:
Responsible for managing, coaching, and developing existing team of commercial bankers. Responsible for evaluating, negotiating, and monitoring credits to maximize earnings for the bank. Ensures the portfolio achieves soundness, profitability, and growth objectives. Must represent the Bank with pride while developing a strong market presence.
Skills and Experience:
* 20+ years' work experience related to various aspects of commercial banking
* Experience managing a commercial banking team
* Demonstrating strong solution-oriented sales and communications skills and effectively establishing rapport and credibility with customers
* Builds knowledge of all clients and prospects by compiling an in-depth profile of commercial business owners and other principals. Ensures client's depository, cash management and investment needs are identified and met.
* Reviews and analyzes commercial client financial documents to determine viability of future business and relationship expansion opportunities.
* Advises clients and recommends various loan products and services as well as discusses qualification requirements for each option.
* Provides superior level of customer service while actively managing commercial banking relationships. Responds and resolves client inquiries, identifies new opportunities and maintains understanding of client's complete financial objectives.
* Develops information and makes loan presentations to appropriate loan committees, when required.
* Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
* Must have good personal organization and time management skills
* Must understand and work effectively within the credit culture of the company
* Must allocate time effectively and independently prioritize workload to meet timelines
* Good mathematical, reading comprehension and writing skills
* Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
* Delivers strong revenue and profit growth within the commercial banking line of business through the acquisition of new relationships and the expansion of existing relationships in the form of new loans, deposits, treasury services, and other approved bank products
* Proven ability to manage and lead a team
* Formal Credit Analysis training
* Excellent oral and written communication skills
* Demonstrated technical, organizational, and problem-solving skills
* Demonstrated credit analysis and underwriting credit skills
* Knowledge of financial services, operational procedures, and compliance
Education and Experience:
* Bachelor's degree in Business, Finance, Accounting, or related field
* Minimum of twenty (20) years in Commercial Banking
* Ability to respond to common inquiries from internal clients, regulatory agencies, and employees
* Advanced knowledge of related state and federal banking compliance regulations, and other Bank operational policies
* Intermediate skills in computer terminal and personal computer operation, including use of word, excel, and office
* Advanced math skills
* Effective verbal, written and interpersonal communication skills
* Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
* Effective organizational and time management skills