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- Savannah, GA
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Commercial Banker - 375 - Savannah, GA
Posted 12 days ago
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State Bank and Trust Company
Commercial Banker III
EEO is the Law
The Commercial Banker is responsible for aggressively soliciting and servicing prospective and current clients producing a variety of commercial loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals. Other responsibilities include working with clients to explain the process and answer questions during the lending process.
Primary relationship strategy is operating accounts, small business treasury and credit opportunities.
Responsible for developing and maintaining strong relationships with clients and providing quality customer service. Provides individual customized services to clients.
Responsible for clients whose revenue size =$1MM to $7.5 MM
Maintains a credit Exposure = $300M to $2.5MM
Services an average of 150 clients
Maintains average footings (loans and deposits) = $60MM
Provides underwriting and treasury support to credit support services/CTP certified and DAO Sales
Goals are determined for each market. Responsible for loan production, low cost deposit production, fee income and new business banking relationships per year
Responsible for person client/prospect/COI calls each week.
Represents the bank at community functions to enhance its image and develop new banking business.
Continuously markets the bank’s services to the target market.
Presents loan requests and renewals to Senior Management and Loan Committee.
Completes all requirements of loan bookings, to include preparation, review, documentation and filing.
Works with clients to modify and/or restructure existing loans as needed.
Educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations.
Helps resolve credit problems, delinquent payment issues, and other related affairs.
Monitors clients’ credit worthiness and repayment activities.
Serves as a resource to clients regarding business and financial matters.
Prepares lending activity reports for management and loan committee as needed.
Bachelor's degree (B. A.) from four-year college or university.
Minimum five plus (5+) years retail branch banking sales experience that includes Commercial Banking sales or outside consultative business sales experience; or equivalent combination of education and experience. Successful completion of Commercial Banker III training and any other compliance training deemed necessary by the Bank.
Strong business and financial knowledge. Commercial Banker III job knowledge; experienced with credit policies and standards; Knowledge of department-related financial services regulations and compliance and lending and lending policies and procedures. Strong knowledge of the Bank’s products and services and the Bank’s operations and management.
Working knowledge of Microsoft Word, Excel, Outlook and other Web-based applications. As this position calls for regular interaction with clients, prospects, financial advisors, attorneys, accountants, developers and contractors, superior communication skills are a must.
Experience with working with Jack Henry is a plus but not required. Strong business development and networking skills in order to seek out new business and maintain an active pipeline. Ability to solicit and acquire corresponding / compensating deposit relationships of customers. Should have an established network / referral source. Strong business development and networking skills in order to seek out new business and maintain an active pipeline.
A valid driver’s license and adequate transportation to service a market area usually within approximately 10-75 miles of branch.
Visit our website www.statebt.com to apply for all positions you may qualify for.
Employment at Will
Employment with State Bank & Trust is "at-will." This means that you or the Bank may terminate your employment at any time with or without notice or cause.
Employment Eligibility Verification
Employees are required to present proof of identity and eligibility to work in the U.S. State Bank participates in E verify.