Commercial Banker

First Citizens Bank; Winston-Salem (NC); On-site; USD 90,000 - 130,000; Full time

Job summary

First Citizens Bank in Winston-Salem, NC seeks a Commercial Banker to grow and manage a portfolio of business banking relationships for companies with $10-$35mm in annual revenue.

You will develop new lending opportunities, provide financial guidance, and collaborate with partners to deliver comprehensive banking solutions, including deposits and cash management, while representing the bank in the local business community.

Qualifications

• Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Commercial or business lending, credit or business development
• Commercial Banker II Qualifications: Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Commercial or business lending, credit or business development
• Business development experience
• Financial analysis and credit underwriting skills
• Knowledge of commercial lending, deposit and cash management solutions
• Ability to provide financial guidance and expertise
• Sales planning and forecasting experience
• Established COI's and referral sources

Responsibilities

• Make an impact by contributing to the growth of the bank through business loans, deposits and fee income.
• Leverage your network to engage with local business owners and companies to develop business lending opportunities.
• Represent the bank in the community by attending and participating in civic, community and networking events.
• Engage in an efficient loan approval process with open communication and exposure to credit partners.
• Be part of a collaborative team with various bank partners to support and deepen the full client relationship.

Skills

Structured sales process

Financial guidance

Sales forecasting

Financial analysis

Credit underwriting

Business lending

Deposit & cash management

Retail & wealth solutions

Business development

Networking

Education

Bachelor's Degree + 6 years experience

High School Diploma + 10 years experience

Bachelor's Degree + 8 years experience

High School Diploma or GED + 12 years experience

Job description

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.

This position is responsible for acquiring and managing a portfolio of commercial banking relationships. Develops and maintains an active prospect list, customer outreach plan and quality referral sources for companies between $10-$35mm in annual revenues. Is the primary contact for borrowing needs and provides subject matter expertise for deposit and cash flow management needs. This position works with various sales partners to build and manage full banking relationships.

Position may be filled as a Commercial Banker I or II based on the skills and experience of the selected candidate.

Responsibilities & Qualifications

In this role you will get to:

• Make an impact by contributing to the growth of the bank through business loans, deposits and fee income.
• Leverage your network to engage with local business owners and companies to develop business lending opportunities.
• Represent the bank in the community by attending and participating in civic, community and networking events.
• Engage in an efficient loan approval process with open communication and exposure to credit partners.
• Be part of a collaborative team with various bank partners to support and deepen the full client relationship.

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:
Commercial Banker I Qualifications: Bachelor's Degree and 6 years' experience OR High School Diploma or GED/Equivalent and 10 years' experience in Commercial or business lending, credit or business development
Commercial Banker II Qualifications: Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Commercial or business lending, credit or business development

Additional Requirements:

Business development experience

Financial analysis and credit underwriting skills

Knowledge of commercial lending, deposit and cash management solutions

Ability to provide financial guidance and expertise

Sales planning and forecasting experience

Preferred Qualifications:

Established COI's and referral sources

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. #LI-AM3