Commercial Banker

First Citizens Bank; Newport Beach (CA); In loco; USD 214.000 - 285.000; Tempo pieno

Descrizione del lavoro

First Citizens Bank in Newport Beach seeks an experienced Commercial Banker to grow and deepen relationships with local business owners. You will be the primary contact for borrowing needs, typically handling deals over $5MM, and collaborate with bank partners to provide deposits and related business services.

You will maintain an active prospect list and customer outreach plan, delivering tailored financial guidance and cash management solutions to support client growth and community prosperity.

Competenze

• Bachelor's degree in business, finance, or related field with 8+ years in commercial lending.
• High School Diploma or GED with 12+ years in commercial lending, credit or business development.
• Experience in credit underwriting and financial analysis.

Mansioni

• Team management: supervise performance and personnel for the group and drive results.
• Sales: achieve financial targets, engage prospects and referral sources, and represent the bank in the community.
• Service standards: build partnerships, uncover referrals, and address customer needs proactively.
• Operations: ensure compliance with regulations and policies, manage risk and deliver efficient processes.

Conoscenze

Structured sales process

Financial guidance

Sales forecasting

Financial analysis

Credit underwriting

Business lending

Networking

Relationship building

Formazione

Bachelor's degree in business, finance, or related field

High School Diploma or GED

Descrizione del lavoro

Overview

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Commercial Banker at First Citizens Bank you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals. Commercial Bankers develop and maintain an active prospect list, customer outreach plan and quality referral sources. They are the primary contact for borrowing needs, on average, over $5MM and engage bank partners to provide a full range of deposit and related business services.

Overview

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Commercial Banker at First Citizens Bank you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals. Commercial Bankers develop and maintain an active prospect list, customer outreach plan and quality referral sources. They are the primary contact for borrowing needs, on average, over $5MM and engage bank partners to provide a full range of deposit and related business services.

Responsibilities & Qualifications

• Team Management - Manage performance and personnel functions for a team, ensuring operational soundness while executing on a plan to deliver results that create value for the customer and meet the financial expectations of the bank. Drive accountability to role expectations, responsibilities and authorities, providing one on one feedback and coaching that supports associate development and achievement of results. Regularly and proactively leverage the expertise of bank partners, other managers or team
• Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions.
• Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities.
• Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance.

Position Specific Skills

• Application of a structured sales process
• Providing financial guidance and expertise
• Sales planning and forecasting
• Financial analysis
• Credit underwriting
• Knowledge of business lending, deposit and cash management solutions
• Knowledge retail and wealth solutions referred
• Business development
• Networking and building centers of influence

Qualifications

Bachelor's Degree and 8 years of experience in Commercial or business lending, credit or business development OR High School Diploma or GED and 12 years of experience in Commercial or business lending, credit or business development

Preferred Qualifications

• Established COI's and referral sources
• Financial analysis and credit underwriting skills
• Knowledge of business lending, deposit and cash management solutions
• Ability to provide financial guidance and expertise
• Sales planning and forecasting experience
• Required Licenses or Certifications: Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided.

Additional Information

The base pay for this position is generally between $213,825 and $285,100. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.