Commercial Banking Officer

1 month ago


Decatur, United States Town And Country Bank Full time

Town and Country Bank is seeking an experienced Commercial Banking Officer to develop new business and service an existing portfolio of commercial loans in central Illinois. This position requires a growing level of career experience that reflects a comfort in commercial banking services, including commercial lending, deposits, investments, cash management and trust.

ABOUT US:

At Town and Country our mission is to empower the financial well-being of our communities, one person at a time.

The culture at Town and Country is built on our shared core values - Teamwork, Achievement, Passion and Positive Thinking. Teamwork means we work together to achieve a common purpose. Achievement means we are results-oriented and achieve success by reaching and exceeding our goals. Positive thinking means we exhibit a positive attitude and strive to maintain an upbeat and fun work environment. Passion means we love what we do and understand the importance of our role in relation to the direction and purpose of the organization. We hire, review, reward, and recognize our teammates based on these characteristics, so it's important that you share these values in order to be part of our team.

Hiring passionate, enthusiastic people is our goal. And to recruit the best, we offer a comprehensive benefits package that delivers on quality, choice and value for you and your family.

ESSENTIAL FUNCTIONS AND DUTIES:

* Achieves sales and relationship goals by growing the size and profitability of his/her commercial relationships.
* Manages, supervises, and grows individual loan and commercial deposit portfolios. Develops and maintains existing customer base and builds customer satisfaction and confidence in the Bank.
* Maintains and Initiates contact with potential commercial accounts and solicits their relationship. Interviews applicants to develop information concerning their business, needs, desires, abilities and earnings to determine whether a loan may be an acceptable risk. Gives financial advice and counsel to customers and prospective customers.
* Manages existing commercial accounts, maintains relationships, cross-sells relevant bank products and services and solicits referrals for new commercial relationships.
* Collects and maintains client portfolio information. Analyzes, underwrites, approves/disapproves, negotiates terms and conditions, prepares credit proposals, recommends documentation and disbursement instructions for new and renewed loan requests.
* Maintains the integrity and quality of the loan portfolio. Performs collections, negotiates work-outs and refers accounts to collection as required. Keeps informed as to the status of loans within his/her portfolio and monitors them for compliance with terms. Monitors the performance of the borrower during the relationship, including payments, financial statements, tax returns, insurance etc.
* Ensures that information gathering, decision making, and loan monitoring are in compliance with all regulations. Has the ultimate responsibility for the maintenance and content of his/her credit files.
* Maintains a presence and promotes the Bank within the community. Serves on municipal committees and boards, as well as Boards of Directors of civic groups or private enterprises.

QUALIFICATIONS:

* Minimum of five years of commercial lending experience
* Good banking knowledge related to job duties and regulatory environment. Knowledge should be based on working experience and training.
* Proficient in relationship sales tactics

EDUCATION:

* Bachelors degree or above in an appropriate field of study
* Commercial Credit Training



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