Sr Commercial Banker

The Old Fort Banking Company; Dayton (OH); Hybrid; USD 65,000 - 120,000; Full time

Job summary

The Old Fort Banking Company is seeking an experienced mortgage professional to develop and retain commercial business within a designated region. You will meet prospects and clients of moderate size, independently calling on accounts and supporting larger visits alongside senior staff.

Responsibilities include gathering financial data, performing analyses for credit decisions, and ensuring regulatory compliance while expanding product knowledge across loan types and services.

Qualifications

• Minimum 5 years of experience in originating mortgage products (first/second mortgages, construction loans, HELOCs).
• Bachelor’s degree in business, finance or management preferred.
• Knowledge of wholesalers and rate sheets; underwriting from origination to closing.
• Strong consultative sales skills and ability to build client relationships.
• Excellent written and verbal communication; detail-oriented and organized.
• Ability to manage multiple priorities and work both independently and with a team.
• Ability to adapt to frequent changes and maintain confidentiality.

Responsibilities

• Develops and retains commercial business by meeting with prospects and clients within a region.
• Makes calls independently and accompanies senior staff on larger visits.
• Collects financial information and participates in credit decisions to close sales.
• Expands knowledge of products, loan policy, documentation and regulatory guidelines.
• Maintains compliant work practices and follows bank policies and BSA requirements.

Skills

Consultative sales

Communication skills

Attention to detail

Multitasking

Independence

Education

Bachelor's degree

Job description

Description

• Develops and retains commercial business, meeting with prospects and clients of moderate size and complexity in a designated region to achieve a moderate sales goal under limited supervision of more experienced personnel.
• Makes calls independently and may accompany more experienced personnel on larger account visits.
• Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and clients to close sales.
• Develops broader knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements.
• Continues developing growing network of outside referral sources for new business.
• Ensures that own work, as well as work of any employees supervised, is in compliance with applicable laws, regulations and guidelines.
• Remain compliant with bank guidelines, policies, procedures, regulatory and BSA requirements.
• Good communication skills, good computer skills, accuracy, flexibility, ability to handle high stress situations, regular and predictable attendance, exercise discretion and good judgment, follow instructions.
• Reasonable accommodation will be provided to qualified individuals with disabilities. Other job duties as assigned.

Requirements

• Minimum 5 years of experience in originating first and second mortgages, construction loans, home equity lines of credit and other portfolio-type products.
• Bachelor’s degree required. Degree in business, finance or management preferred. Wholesalers and rate sheets knowledge. Underwriting knowledge, from origination to loan closing and construction draws.
• Strong consultative sales skills.
• Excellent communication skills (written, verbal, listening).
• Detail-oriented and well-organized.
• Ability to handle multiple priorities and produce results.
• Ability to work independently as well as part of a team.
• Ability to handle frequent changes.
• Ability to maintain confidentiality and adhere to the institution’s privacy policies.
• Ability to meet attendance standards and work overtime if needed.
• Creative/innovative problem solver.
• High level of integrity.
• Self-motivated/takes initiative.