Commercial Lender

*******TULSA BASED POSITION*******

SUMMARY STATEMENT

The Commercial Lender 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 relationship. Key measurements of success are net new loan and deposit growth, fee income, referrals to other lines of business and portfolio management including asset quality.

PRINCIPLE DUTIES AND RESPONSIBILITIES

1. 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.
2. 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.
3. Reviews and analyzes complex financial information to determine a borrower’s creditworthiness.
4. Will present recommendations to loan committee and exhibits a deep understanding of credits presented.
5. Responsible for the profitability of all commercial relationships within the portfolio.
6. Monitor loan repayment activities, the collection of past due accounts, and credit and collateral deficiencies.
7. Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
8. Actively cross sells other bank products, such as; all commercial products, treasury management, employee benefits and wealth management services to build deep banking relationships
9. 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.
10. 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.

EDUCATION AND/OR EXPERIENCE

• A Bachelor’s degree in business, finance, related field, or relevant job experience is preferred.
• Two to four years minimum experience in a commercial banking function and experience in lending and/or credit is preferred.

KNOWLEDGE, SKILLS & ABILITIES

• Experience in the local market required for better understanding of the lending environment and potential customer base is preferred.
• Developed sales skills are required.