Commercial Banker III

Carter Bank; Raleigh (NC); On-site; USD 111,000 - 193,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Coverage

401(k)

Job summary

Carter Bank in Raleigh, NC seeks an experienced Commercial Banker to generate loans and deposits by prospecting, underwriting, and closing customer relationships. You will interview loan applicants, work with Credit, and expand bank relationships across lines of business.

The role involves advising customers, managing loan portfolios, and participating in community and business development efforts. Banking proficiency and a bachelor's degree are required.

Qualifications

• Bachelor’s degree in Business or related field or equivalent in education and experience.
• Prior banking experience in commercial lending.

Responsibilities

• Develops new business and expands/retains existing relationships with commercial customers.
• Solicits full banking relationships with all lines of business partners.
• Interviews commercial lending applicants to assess risk and credit needs.
• Partners with Credit to manage new and existing loan relationships.

Skills

Lending regulations

Credit analysis

Sales skills

Communication skills

Customer service

Detail-oriented

Microsoft Office

Education

Bachelor’s degree in Business or related field

Tools

Banking software

Windows OS

Job description

SUMMARY

Under minimal direction, generates loans, deposits, fee income, and referrals through prospecting, analyzing, underwriting, approving, and closing relationships with individuals, businesses and professionals.

ESSENTIAL JOB FUNCTIONS

• Calls on existing and potential customers to develop new business and/or expand and retain current business
• Solicits total banking relationships by working with all lines of business partners to demonstrate full scope of bank products and services
• Interviews commercial lending applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk
• Work closely with Credit partners in the administration of new and existing loan relationships
• Makes decisions on loans and establishes terms within specified lending limits, or makes recommendations to a higher authority
• Follows current loans and credit lines to ensure conformity with terms, bank policy, regulatory guidelines, and developing trends
• Studies industrial, commercial, and financial situations relating to new or existing businesses
• Serve as a trusted advisor to customers
• Involves appropriate Bank personnel on larger loans and lines and keeps them informed regarding the status of the Bank’s outstanding loans
• Represents the Bank in business development efforts and civic and community functions
• Reviews outstanding loan portfolio on a timely basis to ensure that all modifications, collection of past dues, and other portfolio responsibilities are handled in a timely and accurate manner
• Monitors loan payments and coordinates collection activities for all past due loans
• Shares information and accumulated job knowledge with less experienced Commercial Bankers to assist in their development

JOB REQUIREMENTS

• Bachelor’s degree in Business or related field or equivalent in education and experience
• Prior banking experience in commercial lending

KNOWLEDGE/SKILLS REQUIRED

• Knowledge of lending regulations, compliance procedures, and credit analysis
• Strong sales, written and oral communications and interpersonal skills
• Proficiency in Windows-based PC systems and banking software
• Excellent customer service skills
• Detail-oriented with ability to excel in high-volume environment
• Strong verbal and written communication skills
• Ability to perform effectively in fast-paced environment
• Knowledge of Microsoft Office, especially Word, Excel and Outlook

PHYSICAL AND MENTAL QUALIFICATIONS

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

Salary Pay Range

$111,126.03 - $193,328.85 annually

Benefits

Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays