Commercial Banker

Seacoast Bank; West Palm Beach (FL); On-site; USD 90,000 - 130,000; Full time

Job summary

Seacoast Bank in Palm Beach County is seeking a Commercial Banker to connect business owners and community leaders, drive growth, and manage client relationships across product lines.

You will evaluate and approve commercial loan applications, maintain portfolio health, and collaborate with line of business partners to expand referrals. The role emphasizes integrity, community involvement, and compliance with regulatory standards.

Qualifications

• Bachelor’s degree in Business Administration, Economics or Finance or related major is required.
• Proven ability to develop and manage business relationships with clients and partners.
• Experience in financial services and developing client relationships across lines of business.

Responsibilities

• Attends to the needs of customers seeking financial services and interviews prospects to gather business information.
• Makes decisions on loan requests within lending limits or refers significant loans for approval.
• Develops and maintains a book of business and pursues referral opportunities with line of business partners.
• Monitors portfolio performance, loan documentation, and payment status; conducts annual reviews.
• Promotes the bank in the community and ensures adherence to regulatory and risk management standards.

Skills

Relationship building

Business development

Portfolio management

Education

Business administration degree

Economics degree

Finance degree

Job description

LOCATION: Palm Beach County

JOB SUMMARY:

The primary focus of a Commercial Banker is to leverage their talents and passion in connecting business owners and community leaders to drive growth and economic prosperity. Collaborate with line of business partners to drive the successful development and administration of the client’s entire relationship with Seacoast. Examine, evaluate, authorize and recommend approval of customer applications for commercial loans. Manage regional credit issues including portfolio administration and sales efforts. Active in the community in support and promotion of the bank. Responsible for overall profitability and achieving sales goals across all product lines. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.

EDUCATION AND/OR EXPERIENCE

• Bachelor’s degree in business administration, Economics, Finance or related major, required.
• 5+ year’s related experience in business development, business analytics and diagnosis obtained through commercial lending sales and portfolio management.
• 2+ year’s financial services experience in related business-lines that developed/served business client relationships; including: Treasury Management, Wealth Management, and Consumer Banking.
• Demonstrated record of relationship building with business, civic and governmental organizations. Currently established within the market, where reputation and followership is in place.

ESSENTIAL DUTIES AND RESPONSIBILTIES:

• Attends to the needs of customers seeking financial services.
  • Interviews customers and prospects to develop information concerning their businesses or personal needs, desires, abilities, and earnings to determine strategy or other financial services as appropriate.
  • Makes decisions on loans and terms within own lending limits, or makes recommendations on significant loans to the Commercial Banking Executive.
  • Refers business to other officers, as appropriate, to meet customer needs.
• Responsible for developing and maintaining a book of business.
• Actively engages with Line of Business Partners to identify referral business to expand and deepen existing customer relationships.
• Collaborates with Line of Business Partners to promote and position the Bank in the community.
• Assumes total responsibility for on-going monitoring of all assigned accounts relative to customary portfolio management which includes, but not limited to:
  • On-going understanding of changes in the loan risk profile.
  • Monitoring borrowers’ compliance to the loan documents.
  • Obtaining and reviewing any required documentation or reports in a timely fashion.
  • Monitoring loan payments.
  • Performs annual reviews on a regular basis.
• Studies industrial, commercial and financial situations relating to new and existing businesses.
• Identification and reporting of problem credits to director or Manager.
• Coordinates problem loan administration with Commercial Banking Director or Manager, line of Business Executive or Special Assets Administrator.
• Adheres to the highest legal and ethical standards applicable to our industry and to Seacoast Bank’s Code of Conduct, while observing both the spirit and letter of all government regulations and laws, and bank policies and procedures.
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Adhere to Seacoast Bank’s Code of Conduct.
• Other duties may be assigned.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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