Commercial Banker at Seacoast Bank in West Palm Beach, FL

Job description

• The primary focus of a Commercial Banker is to leverage their talents and passion in connecting business owners and community leaders to drive growth and economic prosperity. Collaborate with line of business partners to drive the successful development and administration of the client’s entire relationship with Seacoast. Examine, evaluate, authorize and recommend approval of customer applications for commercial loans. Manage regional credit issues including portfolio administration and sales efforts. Active in the community in support and promotion of the bank. Responsible for overall profitability and achieving sales goals across all product lines. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.

Responsibilities

• Attends to the needs of customers seeking financial services.
• Interviews customers and prospects to develop information concerning their businesses or personal needs, desires, abilities, and earnings to determine strategy or other financial services as appropriate.
• Makes decisions on loans and terms within own lending limits, or makes recommendations on significant loans to the Commercial Banking Executive.
• Refers business to other officers, as appropriate, to meet customer needs.
• Responsible for developing and maintaining a book of business.
• Actively engages with Line of Business Partners to identify referral business to expand and deepen existing customer relationships.
• Collaborates with Line of Business Partners to promote and position the Bank in the community.
• Assumes total responsibility for on-going monitoring of all assigned accounts relative to customary portfolio management which includes, but not limited to:
• On-going understanding of changes in the loan risk profile.
• Monitoring borrowers’ compliance to the loan documents.
• Obtaining and reviewing any required documentation or reports in a timely fashion.
• Monitoring loan payments.
• Performs annual reviews on a regular basis.
• Studies industrial, commercial and financial situations relating to new and existing businesses.
• Identification and reporting of problem credits to director or Manager.
• Coordinates problem loan administration with Commercial Banking Director or Manager, line of Business Executive or Special Assets Administrator.
• Adheres to the highest legal and ethical standards applicable to our industry and to Seacoast Bank’s Code of Conduct, while observing both the spirit and letter of all government regulations and laws, and bank policies and procedures.
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Adhere to Seacoast Bank’s Code of Conduct.
• Other duties may be assigned.

Requirements

• Bachelor’s degree in business administration, Economics, Finance or related major, required.
• 5+ year’s related experience in business development, business analytics and diagnosis obtained through commercial lending sales and portfolio management.
• 2+ year’s financial services experience in related business-lines that developed/served business client relationships; including: Treasury Management, Wealth Management, and Consumer Banking.
• Demonstrated record of relationship building with business, civic and governmental organizations. Currently established within the market, where reputation and followership is in place.

Skills

Required

• Business development
• Business analytics and diagnosis
• Commercial lending sales
• Portfolio management