Commercial Banker III

Job Description JOB SUMMARY: The Commercial Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up. RESPONSIBILITIES: • Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers. • Maintain positive, professional relationships with customers and continue communication for growth of portfolio. • Production focused to build a book of business. • Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of loan request. • Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered. • Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately. • Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships. • Ensures loan closing and funding activities occur timely. • Identify complex situations, review related information to evaluate and develop an acceptable solution. • Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies to remain working within the bank’s policy guidelines. • Maintains knowledge of compliance requirements for banking. Handles all customer interactions and file records in compliance with federal and state regulations. • Maintains product knowledge for establishing full banking relationships with commercial customers. • Other duties and projects as assigned. Qualifications SKILLS/QUALIFICATIONS: • Bachelor’s degree required, preferably in business, finance or another related field • Minimum of four (4) years of related experience in Commercial Banking is required. • Formal credit analysis training and working experience in applying is required • Proficiency in Microsoft Office Products is required • Ability to organize and analyze complex financial data is required • Knowledge and understanding of all federal and state regulations regarding lending and related departments and ability to stay current is required • Excellent analytical and mathematical skills and ability to make a credit decision is required • Excellent verbal and written communication skills is required • Demonstrated high level of professionalism and maturity is required • Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development is required • Minimal travel within assigned market is required KEY COMPETENCIES: • Relationship Building • Sales Driven • Self-Motivated • High Business Acumen Essential Functions: • Sitting or standing for extended periods of time. • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components. • Ability to converse and exchange information with all levels of staff within organization. • Ability to observe, perceive, identify, and translate data • Ability to travel via air, rail, automobile and/or bus. Company Profile Please click here to access a list of benefits for which this position is eligible. Additional information regarding United's Mission, Values and Culture can be found here . At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.