Commercial Banker

Hilton Head Island, South Carolina, USA
May 04, 2021
May 12, 2021
Job Role
Contract Type
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