C&I Business Banker

Simmons Bank; Jackson (TN); On-site; USD 70,000 - 95,000; Full time

Job summary

Simmons Bank in Jackson, TN is seeking a Business Banker to grow and retain a larger base of commercial clients. You will develop relationships, cross-sell bank lines, and manage an SBA-focused portfolio with an emphasis on loan and deposit growth.

You will assess credit risk, negotiate terms, and present recommendations to the loan committee as needed. Strong communication and leadership in a team environment are essential.

Qualifications

• Bachelor's degree in business, finance, or related field preferred.
• One to two years lending experience with basic sales skills preferred.
• Experience in the local market preferred for better understanding of lending environment and customer base.
• NMLS license required.

Responsibilities

• Strategic focus on small and mid-size commercial client activity through relational selling as a trusted advisor.
• Establishs and negotiates terms for commercial credit including cost, risk, profitability, schedule and collateral.
• Responsible for deposit and loan growth.
• Identify and refer SBA opportunities.
• Review financial information to determine creditworthiness.
• Possibly present recommendations to loan committee with credits.
• Ensure profitability of all commercial relationships in the portfolio.
• Monitor loan repayment and past due accounts; manage credit and collateral deficiencies.

Skills

Interpersonal skills

Negotiation skills

Written and verbal communication

Sales skills

Detail oriented

Multi-tasking

Reading financial documents

Presentation skills

Leadership

Education

Bachelor's degree in business/finance or related field

NMLS license

Tools

MS Office

Lending software

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing!

We're committed to bringing passion and customer focus to the business.

A Business Banker is focused on acquiring, growing, and retaining a large client base of key business relationships, along with cross selling the bank’s other business lines in local markets through a relational business development plan. Portfolio will focus on C&I relationships. Key measurements of success are net new loan and deposit growth, fee income, referrals to other lines of business and portfolio management including asset quality.

Essential Duties And Responsibilities

• Strategic focus on small and mid-size commercial client activity through relational selling as a trusted advisor role to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of Simmons Bank’s products and services.
• Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability determining the method, schedule and collateral requirements.
• Responsible for deposit and loan growth.
• Well trained on identifying and referring SBA opportunities.
• Reviews and analyzes financial information to determine a customer’s creditworthiness.
• May present recommendations to loan committee and exhibits a deep understanding of credits presented.
• Responsible for the profitability of all commercial relationships within the portfolio.
• Monitor loan repayment activities, the collection of past due accounts, and credit and collateral deficiencies.
• Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• Actively refers other bank products, such as: all commercial loan and deposit products, treasury management, mortgage, employee benefits, wealth management services and related retail products to build deep banking relationships.
• Become active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation of the Bank.
• Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and Bank wide goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Skills

• Well-developed interpersonal and negotiating skills.
• Excellent written and verbal communication skills.
• Basic accounting, credit, and sales skills.
• Detail oriented and proven ability to multi-task.
• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to read, analyze and interpret financial report and/or legal documents.
• Ability to write routine reports and business correspondence.
• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.

Education And/or Experience

All Levels:

• A Bachelor’s degree in business, finance, related field, or relevant job experience is preferred.
• One to two years lending experience with basic sales skills are preferred.
• Experience in the local market required for better understanding of the lending environment and potential customer base is preferred.

Computer Skills

• MS Office programs
• Experience with lending computer software is preferred.

Certificates, Licenses, Registrations

• NMLS required

Other Qualifications (including Physical Requirements)

• Time Management
• Strong leadership skills
• Able to motivate and lead others
• Must possess oral and written communication skills
• Must maintain the ability to perform in a sales environment

Other

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.

Skills Training

• Communication, Critical Thinking, Problem Solving
• Presentation Skills, Sales, Time Management

Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications.