Commercial Banking Officer

gpac; Daphne (AL); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Health, dental, and 401(k) benefits

Job summary

gpac is seeking an experienced Commercial Banking Officer for a respected bank in Alabama. You will develop new commercial loan business, structure and close deals, and manage a diverse portfolio while representing the bank in the community.

You will evaluate client needs, tailor financial solutions, cross-sell banking services, prepare credit analyses, ensure loan documentation is complete, and coordinate with operations to close loans, all while maintaining strict compliance.

Qualifications

• Bachelor's degree in a relevant field.
• 3+ years of banking or financial services experience.
• Strong communication and presentation skills.
• Experience with underwriting, credit analysis, and loan memos.
• Proficiency in Microsoft Outlook, Word and Excel.

Responsibilities

• Develop commercial loan opportunities and structure deals.
• Cross-sell the full range of banking services to meet client goals.
• Prepare credit analyses and loan memos with complete documentation.
• Coordinate timely loan closings and client communications.
• Maintain compliance with banking regulations.

Skills

Communication

Presentation skills

Underwriting experience

Independent work

Organization

Multitasking

Education

Bachelor's degree

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

Commercial Banking Officer

Are you ready to elevate your career in the financial services industry? Our client, a respected bank in your area, is seeking an experienced Commercial Banking Officer to join their team. This role offers a unique opportunity to develop new commercial loan business, structure and close deals, and manage a diverse portfolio while representing the bank in the community.

Key Responsibilities

• Evaluate client needs and tailor financial solutions including commercial loans and other banking products.
• Actively promote and cross-sell the full range of banking services to meet client goals.
• Provide prompt, professional responses to client inquiries within 24 hours.
• Maintain strong relationships with current clients to foster goodwill and enhance business growth.
• Participate in networking activities such as community events, Chambers of Commerce, and cultivate relationships with centers of influence.
• Achieve monthly call and outreach targets through warm and cold prospecting.
• Prepare detailed credit analyses, loan memos, and ensure loan documentation is complete and accurate.
• Manage timely loan closings and client communications regarding account status.
• Coordinate with operations to resolve credit and account issues efficiently.
• Maintain strict adherence to all banking compliance regulations.

Qualifications

• Bachelor's degree in a relevant field.
• A minimum of 3 years' experience in banking or financial services.
• Proven track record working with customers at diverse organizational levels, including business owners and managers.
• Exceptional communication and presentation skills.
• Strong underwriting experience including proposal preparation and credit analysis.
• Ability to work independently, stay organized, and manage multiple tasks effectively.
• Proficiency in Microsoft Outlook, Word, and Excel.

Preferred Experience

• Handling loan sizes averaging $500K, with portfolio exposure to $3M to $10M commercial and industrial loans.
• Experience with a diverse credit portfolio.
• Bringing an existing portfolio is a plus.

Compensation & Benefits

• Competitive base salary plus up to 40% variable compensation based on loan and deposit growth.
• Health, dental, and 401(k) benefits.

Work Environment

• Enjoy a balanced role with both office-based and community engagement activities.

This is an excellent chance to contribute to a thriving financial institution and grow your career in commercial banking.

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All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.