Commercial Banker III

United Bank; Peachtree Corners (GA); Presencial; USD 90.000 - 130.000; Jornada completa

Descripción de la vacante

United Bank seeks a Commercial Banker to acquire, promote and manage a portfolio of loan customers, focusing on deals of $1 million and up. You will analyze applicants, coordinate loan structures, and ensure timely closings while staying compliant with lending policies.

The role emphasizes relationship building, community involvement, and cross-selling of loan products with established commercial clients. Strong communication and analytical skills are essential.

Formación

• Bachelor's degree in business, finance or related field is required.
• Minimum four years of commercial banking experience.
• Formal credit analysis training and experience required.
• Proficiency with MS Office applications is required.
• Ability to analyze complex financial data and make credit decisions.
• Knowledge of lending regulations and compliance standards.

Responsabilidades

• Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers.
• Maintain professional relationships with customers and communicate for portfolio growth.
• Production focused to build a book of business.
• Evaluate applicant's financial status, credit, and property to determine loan feasibility.
• Prepare and deliver loan documentation and structuring with applicants.
• Review commercial real estate appraisals and evaluate appropriately.
• Engage with community events to promote bank products and services.
• Ensure timely loan closing and funding activities.
• Identify complex situations and develop acceptable solutions.
• Stay informed on lending practices and policy updates.
• Maintain compliance with federal and state lending regulations.
• Build full banking relationships with commercial customers.

Conocimientos

Credit analysis

Analytical skills

Verbal and written communication

Relationship building

Regulatory knowledge

Time management

Educación

Bachelor's degree

Herramientas

Microsoft Office

Descripción del empleo

Job Description

JOB SUMMARY

The Commercial Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross‑selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up.

RESPONSIBILITIES

• Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers.
• Maintain positive, professional relationships with customers and continue communication for growth of portfolio.
• Production focused to build a book of business.
• Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of loan request.
• Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.
• Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
• Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships.
• Ensures loan closing and funding activities occur timely.
• Identify complex situations, review related information to evaluate and develop an acceptable solution.
• Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies to remain working within the bank’s policy guidelines.
• Maintains knowledge of compliance requirements for banking. Handles all customer interactions and file records in compliance with federal and state regulations.
• Maintains product knowledge for establishing full banking relationships with commercial customers.
• Other duties and projects as assigned.

Qualifications

SKILLS/QUALIFICATIONS

• Bachelor’s degree required, preferably in business, finance or another related field
• Minimum of four (4) years of related experience in Commercial Banking is required.
• Formal credit analysis training and working experience in applying is required
• Proficiency in Microsoft Office Products is required
• Ability to organize and analyze complex financial data is required
• Knowledge and understanding of all federal and state regulations regarding lending and related departments and ability to stay current is required
• Excellent analytical and mathematical skills and ability to make a credit decision is required
• Excellent verbal and written communication skills is required
• Demonstrated high level of professionalism and maturity is required
• Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development is required
• Minimal travel within assigned market is required

KEY COMPETENCIES

• Relationship Building
• Sales Driven
• Self-Motivated
• High Business Acumen

Essential Functions

• Sitting or standing for extended periods of time.
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.

Company Profile

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.