Commercial Business Banking Professional

1 week ago

Baltimore, Maryland, United States CFG BANK Full time
About the Role

The Commercial Business Banker will play a vital role in building and maintaining relationships with business clients, identifying new business opportunities, and providing expert financial solutions.

Key Responsibilities
  • Develop new business relationships with corporate prospects and service existing business banking client base.
  • Work with branch partners to maximize sales efforts to business customers and cross-sell other financial products and services.
  • Evaluate credit information and requests and recommend appropriate loan structure to manage risk.
  • Negotiate loan terms and Bank documents.
  • Ensure loans are risk rated properly.
  • Manage loan portfolio of relationships to include annual reviews and covenant compliance.
  • Actively participate in all business banking business development.
  • Determine business banking needs of clients and structure appropriate solutions.
  • Provide financial counseling and quality customer service.
  • Meet periodically with Chief Lending Officer to review pipeline.
  • Play an active leadership role in the community and at corporate events, which leads to additional sales opportunities.
  • Determine credit worthiness of loan requests via analysis of financial information and discussions with Chief Lending Officer.
  • Negotiate loan structure and pricing.
  • Coordinate with administrative support and credit department to prepare written credit analysis of loan/cash management request.
  • Review and negotiate loan documents and handle loan closings.
  • Recommend appropriate risk ratings to ensure risks are properly identified and loans are accurately rated.
  • Assist administrative staff in the collection of past due loans.
  • Responsible for asset quality of originated loans (past dues, charge offs, non-accruals and criticized assets).
  • Analyze applicant's capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines.
  • Obtain and direct the analysis of all necessary financial data.
  • Conduct credit checks, conduct or initiate assessments and make site visits as necessary.
  • Maintain the confidentiality of all customer and bank relationships.
  • Promote and support the Community Development efforts of the bank.
  • Assist other lending staff as needed.
Qualifications and Requirements
  • Four-year college degree in business preferred.
  • Successfully completed formal lending/training program or equivalent.
  • Minimum of 5 years commercial lending experience.
  • Ability to determine through underwriting/analyzing loan requests the viability of a loan request.
  • Must be proficient with commercial loan structuring and government regulations.
  • Ability to attract and retain business relationships.
  • Must possess knowledge of loan documentation.
  • Ability to manage larger more complex credit requests.
  • Must be a team player.
Work Environment

CFG Bank offers a hybrid schedule, with 3 days in office and 2 days remote after the initial 90-day period.

CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic.

We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs.

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