Senior Commercial Banking Advisor & Credit Solutions

TowneBank; Mount Pleasant (SC); On-site; USD 90,000 - 130,000; Full time

Job summary

TowneBank is seeking a Commercial Banking Officer to manage and grow a portfolio of business clients by delivering financial solutions such as loans, treasury services, and credit facilities. You will act as a trusted advisor, analyze financial health, assess credit risks, and drive revenue growth.

Responsibilities include prospecting for new business, nurturing client relationships, structuring deals, and coordinating with underwriting and risk teams to ensure a seamless member experience.

Qualifications

• 5-10 years of experience in a financial institution with a focus on commercial and business banking as well as relationship management.
• Must have a thorough knowledge and understanding of credit guidelines, procedures, banking regulations, and compliance requirements related to commercial lending.
• Credit analysis and loan documentation experience is essential.
• Knowledge of the Bank’s products and services is essential.
• Strong knowledge of the markets within the Bank’s footprint and overall banking needs is required.
• Proven ability to recognize and focus on critical sales and service delivery issues and to balance and respond to competing roles and organizational needs.
• Excellent communication and presentation skills are required to develop and grow relationships with current and prospective customers and employees.
• Proficiency with Microsoft Word and Excel programs is required.

Responsibilities

• Analyzes financial statements, tax returns, and cash flows to evaluate creditworthiness and assign risk ratings.
• Develops and maintains strong relationships with commercial members, including regular visits to their premises.
• Negotiates loan terms, prepares credit presentations, and guides applications through the approval process.
• Provides members with tailored financial solutions and services to meet their needs, including loan origination, deposit gathering, cash management, and other services.
• Actively sources, pitches, and acquire new commercial members through networking, referrals, and market research.
• Collaborates with internal teams, including credit underwriting, operations, and risk management, to ensure a seamless member experience.
• Supports marketing strategies related to introducing new products and services to prospective members.

Skills

Commercial banking

Credit analysis

Relationship management

Sales and cross-selling

Financial statement analysis

Excel

Communication skills

Education

Bachelor's degree in finance or related field

Tools

Microsoft Word

Excel

Job description

TowneBank is seeking a Commercial Banking Officer to manage and grow a portfolio of business clients by delivering financial solutions such as loans, treasury services, and credit facilities. You will act as a trusted advisor, analyze financial health, assess credit risks, and drive revenue growth.

Responsibilities include prospecting for new business, nurturing client relationships, structuring deals, and coordinating with underwriting and risk teams to ensure a seamless member experience.