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  • Gainesville, GA

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Commercial Banker - 361 - Gainesville, GA

State Bank and Trust Company • Gainesville, GA

Posted 9 days ago

Job Snapshot

Full-Time
Experience - At least 7 year(s)
Degree - 4 Year Degree
Banking - Financial Services
Banking, Finance
Relocation - Yes
0

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Job Description

         

    State Bank and Trust Company

    Commercial Banker

    EEO is the Law


    Summary

    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. 


    Functions

    • Primary relationship strategy is extension of credit, operating accounts and more complex treasury structures.

    • 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 = $7.5 MM and up

    • Maintains a credit Exposure = $500M and up

    • Services an average of 65 clients

    • Maintains average footings (loans and deposits) = $10-$50 M

    • 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.

    • Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgment.

    • Educates prospective clients about the Bank’s underwriting guidelines and all applicable government regulations. 

    • Explains approvals or denials to the prospective loan clients. 

    • 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. 

    • Maintains relationships with organizations who provide clients and prospects. 

    • Manages loans through the lending process. 

    • Presents loan requests and renewals to Senior Management and Loan Committee.

    • Modifies and/or restructures existing loans as needed.

    • Monitors clients’ credit worthiness and repayment activities.

    • Coordinates and assists back office personnel in resolving credit problems, delinquent payment issues, and other related affairs.

    • Coordinates with loan closer and department manager to assure timely loan closing and funding activities.

    • Serves as a resource to clients regarding business and financial matters.

    • Promotes and cross-sells other Bank products and services as appropriate to client requirements.

    • Prepares lending activity reports for management and loan committee as needed.

    • Works within the existing audit, compliance and regulatory framework to ensure a high quality, compliant book of business.

    Job Requirements

    Education

    • Bachelor's degree (B. A.) from four-year college or university.

    • Minimum 7-10 years Commercial Lending experience. Successful completion of Commercial credit training and any other compliance training deemed necessary by the Bank.

    • Strong business and financial 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.

    • Routine travel 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.

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