The posting
The VP, Commercial Banker is responsible for identifying, cultivating, and expanding relationships with prospective clients and growing a profitable commercial banking portfolio through relationship-based business development. This role focuses on establishing and expanding relationships with small to medium-sized businesses and business professionals by providing tailored lending, deposit, and treasury management solutions while delivering an exceptional level of client service. ESSENTIAL DUTIES 1. Upholds, at all times, the Bank’s Core Values of: Integrity, Respect, Positive Attitude, Empowerment, Accountability, and Excellence. 2. Delivers on the Bank’s tagline of “Your Best Banking Experience – Ever!” by reinforcing the application of superior customer service through own example along with appropriate follow through with involved customers and employees; actively participates in specific periodic meetings and presentations on this topic with all staff members. 3. Responsible for achieving annual loan production, deposit growth, and relationship development goals established in partnership with management. 4. Responsible for maintaining a deposit and lending portfolio of GBank customers through retention calling and continual communications with customers. 5. Develops and executes a proactive business development strategy through prospecting, outbound calling, networking, centers of influence, and referral partnerships to establish new relationships and grow a profitable commercial banking portfolio. 6. Interviews prospective clients and gather required information related to loan and credit requests; corresponds with applicants to resolve questions throughout the loan process. 7. Manages the credit requests throughout the underwriting and loan process. 8. Perform pre-qualification assessments and analyze financial condition, repayment capacity, and credit risk of financing requests within the Bank’s credit culture and established lending standards. 9. Manages and grows an assigned commercial loan and deposit portfolio through proactive relationship management, regular client engagement, identification of additional financial needs, retention strategies, and delivery of appropriate lending, deposit, and treasury management solutions. 10. Maintains consistent client contact through meetings and proactive outreach to strengthen relationships and address client needs. 11. Represents the Bank in community, Civic, and Community Reinvestment Act activities while partnering with management to execute market development strategies and strengthen the Bank’s community presence. 12. Maintains accurate CRM records including pipeline activity, prospect development, client interactions, and relationship progress. Provides pipeline reporting, relationship updates and portfolio insights to management as requested. 13. Ensures all decisions are consistent with Bank policies and procedures and that any risk identified can be effectively managed. 14. Ensures compliance with established security protocols and safeguards customer deposits, Bank assets, confidential information, and employees. 15. Other duties as assigned. SUPERVISORY RESPONSIBILITY The position of VP, Commercial Banker is not responsible for the supervision of other employee(s). MENTAL DEMANDS This position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. MINIMUM REQUIREMENTS • Bachelor’s degree from a 4-year college or university and/or 5+ years of related experience and/or training; or the equivalent combination of education and experience. Work related experience must consist of commercial banking, relationship management, lending, or business development experience with demonstrated success developing and managing commercial relationships. Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, is required to be applicable to the financial industry.• Intermediate knowledge of related state and federal banking compliance regulations, Bank policies and procedures, and the Bank’s products and services.• Advanced experience, knowledge and training in all lending and operations activities and terminology.• Proven ability to develop and execute marketing and business development strategies that generate new customer relationships. Demonstrated ability to identify client needs and deliver comprehensive banking solutions, including lending, deposit, and treasury management products.• Advanced loan product knowledge.• Ability to read and analyze financial statements and tax returns.• Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet, and specialty software programs.• Basic typing skills to meet production needs of the position.• Advanced organizational and time management skills and the ability to work with minimal or no supervision while performing duties.• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Management reserves the right to change this position description at any time according to business needs.
