AT A GLANCE
- Full-time, permanent position (not a contract)
- Hybrid in Raleigh, NC - Onsite 2-3 days/week
- $165k+ salary and bonus
- ASAP
JOB DESCRIPTION
Summary:
Under minimal direction, generates C&I loans, deposits, fee income, and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses, and professionals.
This role is focused on commercial & industrial lending to operating companies--manufacturing, service businesses (HVAC, plumbing, and similar trades), and professional organizations (architectural, engineering, and similar firms)--rather than investor or non-owner-occupied commercial real estate.
Annual Production Goals:
- C&I Loans (Lines of Credit, Term Loans, Equipment Loans): $10–12 million annual goal
- Other Loans (income-producing real estate for C&I business owners, owner-occupied real estate): $4–6 million annually
- New deposit accounts and deposit dollar goals
- 10–12 referrals to banking partners (Retail, Mortgage, Title, etc.)
Essential Job Functions:
- Calls on existing and potential customers, particularly manufacturing, service, and professional-services operating companies, to develop new business and/or expand and retain current business
- Solicits total banking relationships by working with all lines of business partners to demonstrate the full scope of bank products and services
- Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
- Work closely with Credit partners in the administration of new and existing loan relationships, bringing strong personal credit analysis and structuring skills to those conversations
- Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority
- Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends
- Studies industrial, commercial, and financial situations relating to new or existing businesses
- Serve as a trusted advisor to customers
- Involves appropriate Bank personnel on larger loans and lines, and keeps them informed regarding the status of the Bank’s outstanding loans
- Represents the Bank in business development efforts and civic and community functions
- Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
- Monitors loan payments and coordinates collection activities for all past due loans
- Shares information and accumulated job knowledge with less experienced Commercial Bankers to assist in their development
Job Requirements:
- Bachelor’s degree in Business or related field, or equivalent in education and experience
- Prior banking experience in C&I commercial lending, including credit analysis, loan structuring, and direct experience calling on operating companies (not primarily business banking or retail lending)
Knowledge/Skills
- Knowledge of lending regulations, compliance procedures, and credit analysis
- Strong sales, written and oral communications, and interpersonal skills
- Proficiency in Windows-based PC systems and banking software
- Excellent customer service skills
- Detail-oriented with the ability to excel in a high-volume environment
- Strong verbal and written communication skills
- Ability to perform effectively in a fast-paced environment
- Knowledge of Microsoft Office, especially Word, Excel, and Outlook
Physical and Mental Qualifications
- Standing, walking, bending, and stooping are required
- Must be able to sit at a desk for long periods of time and use a computer
- Must be able to move or lift up to 10 pounds occasionally
- May be asked to work supplemental hours periodically
- Limited travel is required occasionally during and after business hours
The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.