Commercial Banker

FinanceInfos; Warner Robins (GA); On-site; USD 75,000 - 110,000; Full time

Job summary

Morris Bank seeks a Commercial Banker to develop and manage profitable commercial banking relationships, originate quality loans, and cross-sell treasury and deposit services in Warner Robins, GA. You will engage in business development and portfolio management while maintaining strong credit quality.

Responsibilities include structuring loans, presenting credit recommendations, and expanding the bank’s footprint in the local market through community involvement and customer-focused service.

Qualifications

• Bachelor’s degree in business or finance preferred, or equivalent experience.
• 5 to 7 years of lending experience within a financial institution preferred.

Responsibilities

• Build strong, long-term relationships with business owners, executives, and community leaders.
• Originate quality commercial loans and cross-sell bank products.
• Proactively identify, solicit, and develop new commercial banking relationships.
• Promote the bank’s full range of commercial products and services.

Skills

Communication skills

Customer relations

Attention to detail

Negotiation

Teamwork

Education

Bachelor’s Degree in business or finance

Tools

MS Word

MS Excel

Job description

Job Highlights

• Title: Commercial Banker
• Type: Full Time
• Experience: 5-7 Years
• Function: Commercial Banking
• Location: Warner Robins, GA, United States
• Company: Morris Bank

Company Profile

Morris Bank is a community-focused financial institution offering personal and business banking, loans, digital services, and tailored financial solutions to local customers.

Job Profile

The bank is searching for a Commercial Banker who will be responsible for developing, managing, and growing profitable commercial banking relationships within the community.

Originate quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank’s mission to strengthen the local economy.

Actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality.

Education Level

• Bachelor’s Degree in business or finance preferred, or equivalent experience

Work Experience

• 5 to 7 years of lending experience within a financial institution (preferred), but related accounting or finance industry experience (considered)

Duties/Responsibilities

Business Development/Relationship Management-

• Build strong, long-term relationships with business owners, executives, and community leaders.
• Deliver customized solutions and consultation to customers and prospects of the bank.
• Maintain regular contact with customers to assess needs and identify opportunities for additional services.
• Proactively identify, solicit, and develop new commercial banking relationships within the bank’s target market.
• Promote the bank’s full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services.

Credit/Loan Origination-

• Gather and analyze financial information to determine creditworthiness and loan structure.
• Negotiate terms, pricing, and structure of credit facilities.
• Prepare and present credit recommendations for approval.
• Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines.

Portfolio Management-

• Ensure all loan files, documentation, and servicing requirements are complete and accurate.
• Identify and address early warning signs of potential problem loans.
• Manage loan renewals and covenant compliance.
• Monitor loan performance and maintain credit quality through ongoing review and relationship contact.

Community Involvement-

• Actively participate in local business, civic, and community organizations to enhance the bank’s visibility and reputation.
• Represent the bank at networking, chamber of commerce, and industry events.

Compliance/Risk Management-

• Adhere to all bank policies, procedures, and applicable banking regulations.
• Maintain current knowledge of market conditions, industry trends, and competitors’ offerings.

Skills/Knowledge/Abilities

• Ability to exercise personal and professional responsibility and work under minimal supervision
• Adaptive to change
• Microsoft Word and Excel, Internet Explorer, Web-Based Applications
• Demonstrated ability to communicate effectively and professionally with business customers and with team members
• Excellent interpersonal, verbal, and written communication skills; demonstrated ability to communicate complex facts to a variety of people
• General knowledge of the Bank Secrecy Act/Anti-Money Laundering Program preferred
• Strong attention to detail, good judgment, and decision-making skills
• Demonstrated ability to positively persuade customers and identify and meet their financial banking needs
• Strong planning and organizational skills
• Builds and maintains productive relationships with people throughout the organization

Specific Competencies-

• Customer Relations
• Decision Making/Judgment
• Loan Credit Performance
• Policy Compliance
• Productivity

Working Conditions

• Requires extensive contact with the general public
• May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training
• Must be capable of operating all types of office equipment, including computers, copy machines, fax, and telephone
• Use computer, telephone, fax machine, scanner, photocopier

Employer’s Statement

Morris Bank is an Equal Opportunity Employer.