Vice President – Commercial Banking

Vice President – Commercial Banking

Requirements

• 6+ years of related experience.
• Bachelor’s degree or equivalent experience required.
• Intermediate to advanced knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services.
• Intermediate to advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Advanced knowledge in all facets of relationship management.
• Advanced organizational and time management skills.
• Advanced speaking and writing communication skills.
• May require up to 50% travel.

Responsibilities

• Identifying a target market for new business and subsequently developing and establishing a book of new business from those relationships.
• Negotiating, underwriting, and coordinating the closing of a variety of major and complex loans in compliance with the Bank’s lending policies and procedures.
• Developing business checking and deposit relationships with customers.
• Assisting clients with deposit related products and services, as well as gathering and analyzing client information to recommend appropriate deposit product solutions.
• Compiling and analyzing market research data to develop recommendations regarding products and services focused on needs of target market.
• Engaging in business development activities and solicitation of new business based on the target market.
• Collaborating closely with treasury partner to ensure seamless client experiences.
• Calling and visiting target customers to promote and sell Bank products and services to establish a new book of business.
• Developing and maintaining customer data base including calls and results on all new business relationships. Making reports to superiors as required.
• Interviewing prospective applicants and requesting specified information related to loan or credit application; corresponding or re-interviewing applicants to resolve questions regarding application information.
• Performing basic pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathering all information necessary to present a financing request to senior management or Loan Committee for approval; meeting with new/potential customers; visiting sites of loans; negotiating loan terms and conditions; referring and recommending acceptance to the Chief Credit Officer or Loan Committee.
• Coordinating processing of approved loans; ensuring loans are processed according to agreement, customer needs and conform to Bank lending policies; obtaining sufficient information and/or documentation from customers; solving problems relative to processing and servicing of loans within the Relationship Manager’s portfolio.
• Maintaining a superior knowledge of financial industry status and trends.
• Recommending to senior management those products and services experiencing less than satisfactory performance.
• Representing the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assisting the Bank in establishing and maintaining market position in the financing arena.

Preferred Qualifications

No preferred qualifications provided.