Senior Commercial Banker

Simmons Bank; Dallas (TX); On-site; USD 90,000 - 150,000; Full time

Job summary

Simmons Bank is seeking a Commercial Banker who will focus on acquiring, growing and retaining large, complex commercial relationships in the Dallas, TX area. The role emphasizes cross-selling across bank lines and managing profitability while maintaining strong credit standards.

The position requires strong interpersonal and sales skills, plus experience in credit analysis of financial statements. A Bachelor’s degree and NMLS licensing are preferred.

Qualifications

• Bachelor’s degree in business, finance or related field preferred.
• Experience in commercial banking, especially large or complex lending, is preferred.
• Ability to analyze financial information to determine creditworthiness.

Responsibilities

• Acquire, grow and retain large complex commercial relationships.
• Cross-sell treasury, employee benefits and wealth management services.
• Review complex financials to determine borrower creditworthiness.
• Present loan recommendations to loan committee and manage portfolio profitability.

Skills

Interpersonal skills

Sales skills

Credit analysis

Financial statement reading

Negotiation

Communication

Presentation

Education

Bachelor's degree in business/finance

Tools

MS Office

Lending software

Job description

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business.

Position Summary

The Commercial Banker is focused on acquiring, growing, and retaining large more complex commercial relationships while cross selling the Bank’s other business lines through a focused and structured client focused business development plan. Position may concentrate in C&I relationships. Key measurements of success are net new loan, fee income, referrals to other lines of business and portfolio management including asset quality.

Essential Duties and Responsibilities

Strategic focus on large, more complex commercial client activity through relational selling as a trusted advisor role to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of Bank’s products and services. Establishes and negotiates the terms under which large commercial credit will be extended including cost, risk, and profitability determining the method, schedule and collateral requirements. Reviews and analyzes complex financial information to determine a borrower’s creditworthiness. Will present recommendations to loan committee and exhibits a deep understanding of credits presented. Responsible for the profitability of all commercial relationships within the portfolio. Responsible for ultimate portfolio management which may include borrowing base and/or construction draw processes. Monitor loan repayment activities, the collection of past due accounts, and credit and collateral deficiencies. Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits. Actively cross sells other bank products, such as; all commercial products, treasury management, employee benefits and wealth management services to build deep banking relationships. Become active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation of the Bank. Ability to meet individual goals and contribute in a team oriented environment to ensure departmental and Bank wide goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit. Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training. Performs other duties and responsibilities as assigned.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required

Skills

• Well-developed interpersonal and negotiating skills are required.
• Highly developed sales skills are required.
• Excellent written and verbal communication skills.
• Basic accounting and credit skills, Detail oriented and proven ability to multi-task.
• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.
• Ability to read, analyze and interpret financial report and/or legal documents.
• Ability to write routine reports and business correspondence.
• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.

Education and/or Experience

All Levels: A Bachelor’s degree in business, finance, related field, or relevant job experience is preferred. Experience in the local market required for better understanding of the lending environment and potential customer base is preferred. Sr. Commercial Banker: Five years plus minimum experience in a commercial banking function and significant experience in complex lending is preferred.

Computer Skills

MS Office programs. Proficiency in lending computer software.

Certificates, Licenses, Registrations

NMLS required

Other Qualifications (including physical requirements)

• Analytical – ability to collect data and use experience and skill set to make credit decisions
• Oral – Possesses the ability to speak clearly and persuasively in all situations. Responds clearly to questions and demonstrates presentations skills.
• Written – Written material is informative, edits work for spelling and grammar
• Teamwork – Balances individual responsibilities and team goals. Contributes to building a positive team environment and provides support for others when needed.
• Leadership – Exhibits confidence and motives other team members.
• Other

Skills Training

• Communication
• Critical Thinking
• Problem Solving
• Presentation Skills
• Sales
• Time Management

Equal Employment Opportunity Information:

Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Since 1903, we’ve been putting people first by making a commitment to you. Simmons Bank is the subsidiary bank for Simmons First National Corporation (NASDAQ: SFNC), a publicly traded bank holding company headquartered in Arkansas. Founded as a community bank, Simmons Bank has grown steadily to its current size of $28 billion in assets, with more than 3,000 associates located in Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas. Our growth has led to some amazing career opportunities, while our dynamic culture has been recognized by publications across our footprint. Parallel to our growth, Simmons Bank’s community roots run deep – these are felt in the ways we seek to go the extra mile for our customers and communities through exceptional service and volunteerism, and in the strong career growth opportunities and wellness programs we offer associates. Our team is characterized by collaboration, integrity and passion for all we do, high performance, and a commitment to personal and professional growth. If these cornerstones of company culture appeal to you, let’s talk! There’s never been a better time to join our team.