Commercial Banker

Hills Bank and Trust Company; Coralville (IA); On-site; USD 70,000 - 120,000; Full time

Job summary

Hills Bank and Trust Company in Coralville, IA seeks a Commercial Banker to develop and manage long-term relationships with business clients. You will source and originate commercial loans (CRE, C&I, and Ag where available) and identify other banking solutions like deposits, mortgages, wealth, and treasury services to support client goals.

A bachelor’s degree in business or related field, or 2–3 years banking experience is required.

Qualifications

• Bachelor's degree in business, accounting, finance, or economics or 2–3 years banking experience.
• Skills in office software and general banking environment.
• Must sign a non-compete.

Responsibilities

• Develop and manage long-term relationships with commercial customers.
• Source and originate quality commercial loans including CRE, C&I, and Ag as available.
• Identify deposit, mortgage, wealth management, and treasury solutions for clients.
• Coordinate client needs with Home Mortgage, Wealth Management or Retail bankers.
• Represent the bank in community organizations and promote a positive image.
• Participate in bank-sponsored events and provide leadership for several events each year.

Skills

Relationship management

New business development

Sales / cross-selling

Education

Bachelor's degree in business, accounting, finance, or economics

Job description

SCHEDULE

Full-time; Monday through Friday (8:00 am – 5:00 pm) with some evenings and weekends, average of 45 hours/week.

BENEFITS

Our employees are our most valuable assets, so we invest in them with a comprehensive and competitive benefits package. Our philosophy of taking care of the customer extends to taking care of our employees so that they, in turn, can take good care of themselves and their families. Join Hills Bank and let us surprise you with even more perks!

SCOPE

The Commercial Banker position is responsible for developing, managing, and growing long-term relationships with prospective and existing business customers. The role focuses on sourcing and originating quality commercial loans including CRE, C&I, and Ag (depending on market) and identifying other ways to help customers with deposit, mortgage, wealth management, and treasury management solutions. A successful Commercial Banker will act as a trusted advisor to business owners, helping them achieve their financial goals while strengthening the bank's presence and reputation in the local market. The training process will vary depending on the candidates experience level.

ACCOUNTABILITIES

New Business Development

• Participate in the Bank's business development activities through individual and joint sales call efforts, represent the Bank in community organizations, local business groups, etc., and promote the Bank's favorable image.
• Establish and maintain positive working relationships with businesses and other organizations to provide information regarding the lending programs with the bank.
• Seek and grow new business by presenting, selling and cross-selling bank products that match the customer's needs and following up timely to properly ensure quality service.
• Provide referrals to various departments; Treasury Management, Mortgage, Retail, and Wealth Management. A basic understanding of these services is needed to refer effectively.
• Coordinate the processing of client's personal banking needs, with the help of our Home Mortgage, Wealth Management, or Retail Bankers, and serving as the relationship manager for our commercial and professional customers.
• Participate in bank sponsored events, networking with guests to develop a personal knowledge of who they are.
• Provide leadership for several bank sponsored events each year.

Loan Origination and Portfolio Management

• Originate loans within bank policy to attain growth goals.
• Interview applicants and requests specified information for loan application; requests appraisals, financials, applicant credit reports, and other information pertinent to evaluation of loan application; analyzes applicant financial status, credit, and collateral to determine feasibility of granting loan; and corresponds with or interview applicant or creditors to resolve questions regarding application information.
• Meets and maintains portfolio profitability goals. Compiles loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to loan committee for approval; ensures loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.

• Utilize government programs when deemed necessary to meet customer's credit needs.
• Participate in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.
• Maintains portfolio credit quality goals.
• Maintains complete and accurate file documentation.
• Make decisions on loans and terms withing lending limits or makes recommendations to the Senior Loan Committee.
• Remain knowledgeable of new regulations, policies, procedures, and economic trends.

EDUCATION AND SPECIAL REQUIREMENTS

• Bachelor's degree (B.A.) from a four-year college or university in the field of business, including specific courses in accounting, finance, and economics; or a minimum of 2-3 years banking experience and/or training; or equivalent combination of education and experience.
• This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of office equipment.
• Must sign a non-compete.

EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABILITY