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Commercial Banker

Hancock Whitney Bank
Full-time
On-site
Mobile, AL, USA
JOB FUNCTION / SUMMARY:
Responsible for the management, retention, and expansion of existing business relationships, the development of new business, and the servicing of a variety of commercial relationships.  Grows revenue as directed by senior management by successfully prospecting for new business and retaining and expanding existing customer relationships.  Manages a portfolio of up to 75 clients with credit outstanding up to $50MM.  Business development activities typically focus on businesses with sales of $2MM - $25MM that operate in our defined targeted industries.  Functions with minimal levels of individual authority and negotiates with strict adherence to established guidelines, credit pricing, terms, and structure.

ESSENTIAL DUTIES & RESPONSIBILITIES:
Primary Duties:
  • Solicits new and prospective loan and deposit relationships for the Bank.
  • Develops and executes a business development plan to achieve established goals and objectives.
  • Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long term profitable customer relationships and become the clients trusted financial partner through needs based solutions.
  • Identifies cross-sell opportunities for each assigned relationship.
  • Markets to assigned clients and prospects a broad range of financial products.
  • Build internal relationships with other departments such as Product Management, Treasury Management, and Credit Underwriting to enhance the overall banking relationship ensuring the customer’s business objectives are met.
  • Proactively seeks knowledge and mentorship from more Senior Relationship Managers to develop a thorough understanding of bank products, services, credit standards, and bank pricing parameters, business development programs/automated systems.
Additional Duties:
  • Partners with the Commercial Underwriter to assess the customer’s credit risk and structure a credit solution that fits the customer’s needs while remaining within acceptable risk guidelines.
  • Identifies client needs and works with customers to offer appropriate bank products and services.
  • Cultivates prospects independently through customer referrals, networking, participation in professional organizations, social contacts, and relationships built in the community.
  • Develops relationships with customers through calling and customer support activities.
  • Routinely monitors loan portfolio’s credit quality status to ensure loans are current and conform to terms; quickly identifies and manages risks to minimize impact.
  • Analyzes customer credit status or obtains appropriate central underwriting approval and related documentation to ensure portfolio quality and yield are maintained.
  • Uses automated business development system to manage individual calling program, schedule appointments, develop customer profiles or cross-sales opportunities, follow-up with customers, and book new business.
  • Keeps abreast of industry, competitor, financial market and other changes that may impact their portfolio or department.
  • Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation.
  • Performs other duties and special projects as assigned by Senior Management.
  • Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES:
None

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
  • Bachelor’s Degree required; major in Accounting or Finance preferred
  • Minimum 3 -5 years of relationship management experience selling banking products
  • Proficient in credit underwriting fundamentals and prior credit experience including financial analysis
  • Knowledge of commercial loan products & lending / compliance regulations.
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
  • Ability to lift/move/carry approximately 30 pounds if required to perform the essential job functions.  If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

This job is closed.