Job Description
Job Description
POSITION SUMMARY
Responsible for the ongoing development & growth of commercial relationships to maximize profitability and minimize risk. This includes creating, developing, and managing banking relationships, originating commercial loans, developing deposit relationships, & ensuring exceptional customer support. May lead a team.
ESSENTIAL FUNCTIONS
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Expand existing portfolio by researching, building rapport and collaborating with prospective clients to build new depository and loan customer relationships
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Remain abreast of internal bank products, services, credit standards, and actively cross-sell bank products with the assistance of other internal resources
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Ensure understanding of both short- and long-term client banking needs by developing a clear understanding of business strategies, risk assessments, and mitigation of risk
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Maintain consistent bank market visibility by engaging with professional and community contacts, attending events and being involved in potential new business opportunities.
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Manage and monitor existing client accounts by overseeing credit renewals, resolving issues, structuring and proposing credit, negotiating contacts, providing credit pricing, terms, and structures.
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Facilitate resolution of the credit approval process by making independent threshold determinations regarding the creditworthiness of prospective clients. This may include reviewing, analyzing, and interpreting financial statements, accounting papers, income tax returns, bank policies and governmental regulations.
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Scrutinize customer and potential customer information provided evidence of irregularities, discrepancies, and fraud.
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Monitor loan repayment activities and tasks necessary action to collect from past-due accounts.
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Remain abreast of trends in commercial banking pricing and products. Understands the financial market conditions both locally and nationally, including economic, political, and legislative climates which could have an impact on corporate and commercial lending activities.
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Maintain BSA compliance by following all BSA/AML/OFAC policies and procedures and completing all BSA/AML/OFAC related online courses.
· Responsible for adherence to The Claxton Bank’s Code of Professional Ethics and Conduct, as well as observing and promoting compliance with the Code among fellow bank personnel, customers, and vendors.
· Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers.
EDUCATION & EXPERIENCE
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Bachelor’s degree in business, Accounting, Finance, or a related field required
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Minimum of 2 years commercial loan, banking or financial service experience.
KNOWLEDGE & SKILLS
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Exhibits effective sales and customer service practices and has a firm grasp on relevant legal issues and other necessary information.
· Knowledge of bank products, services, departments, and state and federal regulations required
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Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action when necessary
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Able to maintain confidentiality of customer and employee information.
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Self-starter and able to work independently.
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Displays a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process.
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Good interpersonal skills and communication with all levels of management
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Able to multitask, prioritize, and manage time efficiently
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Excellent verbal and written communication skills
· Strong skills in Word, Excel, PowerPoint, and other content development tools preferred.
· Must demonstrate a positive and helpful attitude toward customers and TCB teammates
· Effective decision-making and problem-solving skills required
· Must be comfortable with recognizing any suspicious behaviors, have the ability to make quick decisions, and be able to consult management on any questionable transactions.