Commercial Banker

First Citizens; West Lake Hills (TX); Sur place; USD 90 000 - 130 000; Plein temps

Résumé du poste

First Citizens Bank is seeking a Commercial Banker to deepen relationships with business owners in the community and help them meet their financial goals. The role supports lending needs typically over $5MM and collaborates with bank partners to deliver deposits and related business services.

You will lead a team, manage performance, and drive sales, with accountability for achieving financial, production and relationship targets while ensuring compliance with bank policies and regulations.

Qualifications

• Bachelor's degree (or GED with 10 years in the field) and relevant lending experience.
• Experience in commercial lending, credit underwriting and business development.
• Familiarity with deposits, cash management solutions and banking products.

Responsabilités

• Lead a team, manage performance and appoint coaching to achieve results.
• Engage customers, prospects and referral sources to grow lending and deposits.
• Represent the Bank in the community for CRA opportunities and business development.
• Comply with regulations, policies, and risk management in daily operations.

Connaissances

Team leadership

Sales & relationship building

Financial guidance

Networking & referral sources

Credit underwriting

Business lending knowledge

Customer outreach

Strategic planning

Formation

Bachelor's degree in business or related field

10 years of commercial lending experience (or 6 years with Bachelor’s)

Description du poste

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

Duties & Responsibilities:

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 6 years of experience in Commercial or business lending, credit or business development OR High School Diploma or GED and 10 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

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.