Commercial Banker

Employer
COASTAL STATES BANK
Location
Hilton Head Island, South Carolina, USA
Salary
Competitive
Posted
May 04, 2021
Closes
May 12, 2021
Ref
3672ae34d9e1
Job Role
Other
Sector
Finance
Contract Type
Permanent
Hours
Full Time
Position Summary:
The Commercial Banker position is focused on acquiring, growing, and retaining commercial banking clients through focused relationship planning. The role concentrates on C&I and CRE relationships. Key measurements of success are new loan and deposit production, fee income, overall relationship profitability, portfolio management and referrals to other lines of business.

Essential Functions:
  • Maintain a strategic focus on commercial client activity through relational selling as a trusted advisor to assist the client in recognizing opportunities and risks while helping them accomplish their goals through their use of bank products and services.
  • Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability.
  • Reviews and analyzes complex financial information to determine a borrowers credit worthiness.
  • Present recommendations to credit risk by demonstrating a thorough 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, loan repayment activities, collection of past due accounts, and credit and collateral deficiencies.
  • Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
  • Actively cross sell other bank products to include deposits products and treasury management services to build profitable client relationships.
  • Remain 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 and brand 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.


  • Critical Success Factors:
    • Self-Motivated and Team Player
    • Responsiveness
    • Detail-Oriented with Ability to Multi-Task
    • Strong Ethics
    • Well-developed Interpersonal and Negotiating Skills
    • Excellent Written and Oral Communication Skills