Commercial Banker II

The Commercial Banker II sets up business development strategy and executes sales production efforts to acquire new commercial business within the market area. The position makes sales calls and visits to business customers, high net worth individuals and prospects to understand the client needs, customize solutions and meet loan, deposit and service needs.

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.
• Sets business development strategy for assigned market; identifies opportunities and makes sales calls to existing clients and prospects.
• 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.
• 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.
• 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.