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Title
Text copied to clipboard!Commercial Banker
Description
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We are looking for a dedicated and experienced Commercial Banker to join our dynamic financial services team. The Commercial Banker will be responsible for managing and developing relationships with business clients, providing tailored financial solutions, and ensuring the growth and profitability of our commercial banking portfolio. The ideal candidate will possess strong analytical skills, excellent communication abilities, and a deep understanding of commercial banking products and services.
In this role, you will actively engage with business clients to understand their financial needs, offering customized banking solutions such as loans, credit lines, treasury management, and deposit products. You will analyze financial statements, assess creditworthiness, and make informed lending decisions that align with the bank's risk management policies. Additionally, you will collaborate closely with internal departments, including credit analysts, risk management, and treasury services, to ensure seamless service delivery and client satisfaction.
The Commercial Banker will also be responsible for identifying new business opportunities, expanding the client base, and promoting the bank's products and services through networking events, client meetings, and community involvement. You will maintain a thorough understanding of market trends, industry developments, and competitor activities to effectively position our offerings and maintain a competitive edge.
Strong interpersonal skills are essential, as you will be required to build and maintain long-term relationships with clients, providing exceptional customer service and acting as a trusted financial advisor. You will proactively manage client portfolios, regularly reviewing account performance, identifying potential risks, and recommending appropriate financial strategies to support clients' business objectives.
Compliance with regulatory requirements and internal policies is critical in this role. You will ensure all banking activities adhere to applicable laws, regulations, and ethical standards, maintaining accurate records and documentation for audit purposes. You will also participate in ongoing training and professional development opportunities to stay current with industry best practices and regulatory changes.
The successful candidate will demonstrate a proven track record in commercial banking, with experience in credit analysis, loan structuring, and relationship management. You should possess excellent problem-solving skills, attention to detail, and the ability to work independently as well as collaboratively within a team environment. Strong organizational and time management skills are necessary to effectively manage multiple client relationships and prioritize tasks efficiently.
If you are passionate about helping businesses achieve their financial goals, possess a strong understanding of commercial banking, and thrive in a client-focused environment, we encourage you to apply for this exciting opportunity. Join our team and contribute to the continued success and growth of our commercial banking division.
Responsibilities
Text copied to clipboard!- Develop and manage relationships with business clients, providing tailored financial solutions.
- Analyze financial statements and assess creditworthiness to make informed lending decisions.
- Identify and pursue new business opportunities to expand the commercial banking portfolio.
- Collaborate with internal departments to ensure seamless service delivery and client satisfaction.
- Maintain compliance with regulatory requirements and internal banking policies.
- Regularly review client portfolios, identifying risks and recommending appropriate financial strategies.
- Participate in networking events and community activities to promote the bank's products and services.
Requirements
Text copied to clipboard!- Bachelor's degree in Finance, Accounting, Business Administration, or related field.
- Minimum of 3-5 years of experience in commercial banking or related financial services.
- Strong analytical and credit assessment skills.
- Excellent communication and interpersonal abilities.
- Proven track record in relationship management and business development.
- Knowledge of banking regulations, compliance standards, and risk management practices.
- Proficiency in financial software and Microsoft Office Suite.
Potential interview questions
Text copied to clipboard!- Can you describe your experience managing commercial banking relationships?
- How do you assess the creditworthiness of a potential business client?
- What strategies do you use to identify and pursue new business opportunities?
- How do you ensure compliance with banking regulations and internal policies?
- Can you provide an example of a challenging client situation and how you resolved it?
