Commercial Banker II: Growth & Relationships

Seacoast Bank; Sebring (FL); On-site; USD 85,000 - 125,000; Full time

Job summary

Seacoast Bank is seeking a Commercial Banker II in Highlands County, FL, to drive business development and sales execution for new commercial relationships. The role involves visiting business clients, high net worth individuals, and prospects to tailor loan, deposit, and service solutions.

It requires collaboration across Treasury Management, Wealth Management, and Consumer Banking teams. The position emphasizes achieving deposit and loan growth, managing a large, complex portfolio, and

Qualifications

• Five or more years of proven success in Commercial Banking.
• 4-year college degree, BA in Business Administration, Economics, Finance or related major, required.
• Ability to analyze markets, identify prospects, develop and execute consultative, value-added sales techniques and strategies.
• Ability to meet and exceed established targets.
• Demonstrated record of relationship building with business, civic and governmental organizations.
• Currently established within the micro-community, where reputation and followership is in place.
• Flexibility around work hours and be available at times convenient to the client.

Responsibilities

• Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
• Demonstrates effective sales strategies to attract, expand and retain customer relationships.
• Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• Thoroughly collects and analyzes customer and prospect financials to assess viability.
• Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
• Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
• Coordinates portfolio management functions collaborating through a team which may include Credit Analysts and Commercial Banking Assistants.
• Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
• Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
• Oversees ongoing quality control for a portfolio by executing proper documentation, compliance and collection efforts.
• Maintains knowledge of banking products, programs, services and promotions.
• Responsible for achievement of market objectives as set by Bank leadership.
• Uses Customer Relationship Management systems to track sales efforts and prospects.
• Ensures compliance with internal controls, operational procedures and risk management policies.
• Represents the Bank in business development efforts and at networking and community functions.
• Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
• 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.

Skills

Sales experience

Relationship management

Credit analysis

Market understanding

Education

Bachelor’s degree in Business / Economics / Finance

Job description

Seacoast Bank is seeking a Commercial Banker II in Highlands County, FL, to drive business development and sales execution for new commercial relationships. The role involves visiting business clients, high net worth individuals, and prospects to tailor loan, deposit, and service solutions.

It requires collaboration across Treasury Management, Wealth Management, and Consumer Banking teams. The position emphasizes achieving deposit and loan growth, managing a large, complex portfolio, and