Commercial Banker II

The Commercial Banker II role involves setting up business development strategy, executing sales production efforts, and acquiring new commercial business within the market area. The position requires collaboration with multiple bank groups and internal support functions.

Requirements

• Maintains the quality, profitability and growth of business and consumer products through appropriate pricing and fees.
• Demonstrates effective sales strategies to attract, expand and retain customer relationships.
• Applies need-based sales techniques to attract, expand, and retain customer relationships by identifying products and services to enhance the customer relationship with the bank.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• Thoroughly collects and analyzes customer and prospect financials to assess viability.
• Reviews loan applications, tax returns, income statements, bank statements and other relevant data to determine actual cash flow and perform ongoing credit grade determinations within policy guidelines.
• Identifies and structures large, complex loan and deposit opportunities that optimize credit quality and profitability.
• Coordinates portfolio management functions collaborating through a team which may include Credit Analysts and Commercial Banking Assistants.
• Applies a high level of business acumen and risk management expertise to assess the viability of loan and deposit opportunities.
• Prepares and articulates accurate, comprehensive, relevant information to the Loan Committee for loan approval.
• Oversees ongoing quality control for a portfolio by executing proper documentation, compliance and collection efforts.
• Maintains knowledge of banking products, programs, services and promotions.
• Responsible for achievement of market objectives as set by Bank leadership.
• Uses Customer Relationship Management systems to track sales efforts and prospects.
• Ensures compliance with internal controls, operational procedures and risk management policies.
• Represents the Bank in business development efforts and at networking and community functions.
• Develops partnerships and collaborates with other lines of business to attain mutual goals and better serve customers.
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.
• Adhere to Seacoast Bank’s Code of Conduct.