Commercial Lending Specialist I

2 weeks ago


Richmond, Virginia, United States First Citizens Full time
Overview
At First Citizens Bank, we pride ourselves on our strong leadership, enduring values, and unwavering commitment to fostering the success of individuals and businesses alike.

As a Business Banking Officer, you will continue our legacy of nurturing and enhancing relationships with local business proprietors, assisting them in achieving their financial aspirations.

Business Banking Officers are responsible for maintaining a dynamic prospect list, a strategic outreach plan, and cultivating quality referral networks for enterprises with an average annual revenue exceeding $10MM.

You will serve as the primary liaison for borrowing requirements and offer expertise in deposit and cash flow management. Collaborating with various internal teams, Business Banking Officers work to establish and manage comprehensive banking relationships.

Key Responsibilities:
In this position, you will have the opportunity to:
  • Contribute to the bank's growth through the facilitation of business loans, deposits, and fee income.
  • Utilize your network to connect with local business leaders and organizations to create lending opportunities.
  • Represent the bank within the community by participating in civic, community, and networking events.
  • Engage in a streamlined loan approval process, ensuring open communication with local credit partners.
  • Collaborate with various bank partners to enhance and deepen the overall client relationship.

Qualifications:
A bachelor's degree coupled with a minimum of 6 years of experience in business or commercial lending, credit, or business development.

  • Alternatively, a high school diploma or GED with at least 10 years of experience in business or commercial lending, credit, or business development.

Additional Requirements:
Experience in business development
Proficiency in financial analysis and credit underwriting
Understanding of commercial lending, deposit, and cash management solutions
Capability to provide financial guidance and expertise
Experience in sales planning and forecasting

Preferred Qualifications:
Established centers of influence and referral sources.

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