Commercial Banker

FinanceInfos; Melbourne (FL); On-site; USD 85,000 - 110,000; Full time

Job summary

Seacoast Bank is seeking a seasoned Commercial Banker to drive business development and manage a diverse portfolio in Melbourne, FL. You will analyze client needs, structure loan and deposit solutions, and collaborate across Treasury, Wealth, and Consumer banking teams.

With 5+ years of Commercial Banking success, you will lead growth initiatives, maintain regulatory compliance, and represent the bank at networking events to expand market presence.

Qualifications

• Requires a 4-year college degree (BA in Business Administration, Economics, Finance, or related major).
• Minimum 5 years of proven success in Commercial Banking.
• Ability to analyze markets and identify prospects; leverage consultative sales strategies.

Responsibilities

• Adhere to Seacoast Bank’s Code of Conduct.
• Develop and execute business development strategy to acquire new commercial business.
• Conduct sales calls and visits to business customers and prospects to understand needs and offer solutions.
• Coordinate portfolio management with Credit Analysts and Banking Assistants.
• Ensure AML/BSA compliance and maintain internal controls and risk policies.
• Prepare loan packages and present to Loan Committee for approvals.
• Represent the Bank in networking and community functions and achieve market objectives.

Skills

Market analysis

Target achievement

Local reputation

Relationship building

Flexible hours

Education

BA in Business Administration / Economics / Finance

Job description

Job Highlights

• Title: Commercial Banker
• Type: Full Time
• Experience: 5 Years
• Function: Business Banking
• Location: Melbourne, FL, United States
• Company: Seacoast Bank

Company Profile

Seacoast Bank provides personal, business, commercial banking, lending, digital banking, and wealth management services.

Job Profile

The bank is hiring a Commercial Banker who will set up business development strategy and execute sales production efforts to acquire new commercial business within the market area.

Makes sales calls and visits to business customers, high net worth individuals, and prospects to understand the client needs, customize solutions that will benefit the customer and meet loan, deposit, and service needs.

Responsible for attainment of deposit and loan growth objectives; services an extensive, complex customer portfolio and market.

Requires collaboration between multiple bank groups, including: Treasury Management, Wealth Management, and Consumer Banking, as well as internal support functions.

Education Level

• 4-year college degree, BA in Business Administration, Economics, Finance, or related major (required)

Work Experience

• 5 or more years of proven success in Commercial Banking.

Duties/Responsibilities

• Adhere to Seacoast Bank’s Code of Conduct.
• Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
• Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
• Coordinates portfolio management functions, collaborating through a team which may include Credit Analysts and Commercial Banking Assistants.
• Demonstrates effective sales strategies to attract, expand, and retain customer relationships.
• Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
• Ensures adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Ensures compliance with internal controls, operational procedures, and risk management policies.
• Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
• Maintains knowledge of banking products, programs, services, and promotions.
• Maintains the quality, profitability, and growth of business and consumer products through appropriate pricing and fees.
• Oversees ongoing quality control for a portfolio by executing proper documentation, compliance, and collection efforts.
• Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
• Represents the Bank in business development efforts and at networking and community functions.
• Responsible for achievement of market objectives as set by Bank leadership.
• Reviews loan applications, tax returns, income statements, bank statements, and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• Thoroughly collects and analyzes customer and prospect financials to assess viability.
• Uses Customer Relationship Management systems to track sales efforts and prospects.

Skills/Knowledge/Abilities

• Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
• Ability to meet and exceed established targets.
• Currently established within the micro-community, where reputation and followership are in place.
• Demonstrated record of relationship building with business, civic and governmental organizations.
• Flexibility around work hours and being available at times convenient to the client.

Working Conditions

• Client meetings and business development
• Flexible client-focused hours
• Frequent financial analysis
• Office and field-based work
• Strict regulatory compliance

Employer’s Statement

Seacoast Bank is an Equal Opportunity Employer.