Job Description
Senior Commercial Banker At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. The Senior Commercial Banker (SCRB) will be responsible for identifying, soliciting, developing, servicing, and expanding larger commercial relationships within an assigned geographic region or market through prospecting, cross-selling, relationship-management efforts, and excellent member service. This will include sourcing and managing complex commercial loan relationships for business and commercial entities with revenues greater than $5 million and commercial lending needs greater than $2 million, while cross-selling additional products and services, and successfully transferring smaller relationships to a Banker. The position requires significant outside business development and relationship management activities. The Senior Commercial Banker will be responsible for professionally handling services inquiries and referrals from existing members, non-members, and internal and external sources. This position receives minimal supervision with daily responsibilities and is expected to independently resolve problems or situations relating to business/commercial members within assigned portfolio, following established policies and procedures while meeting all goals and objectives. In addition, the Senior Commercial Banker will mentor, coach, and develop Commercial Bankers and Business Bankers in the department as well as actively participate in any applicable training efforts. Essential Job Functions Build and deepen relationships with new and existing commercial/business members with revenues greater than $5 million and commercial lending needs $2 million. Achieve individual quarterly/annual production and growth goals of both business loans and deposits to ensure VyStar meets its overall financial goals and objectives. Actively mentor, coach, and develop Commercial and Business Relationship Bankers and within the department while achieving and exceeding all personal goals and objectives. Maintain an advanced understanding of all business credit facilities including but not limited to: Commercial Real Estate (CRE), Construction & Development (C&D), Business Lines of Credit, business equipment/vehicle loans, and unsecured financing options. Actively participate and contribute to any training and product knowledge conference calls, sessions, or meetings. Effectively negotiate terms and conditions of commercial/business loans with existing and potential members. Review businesses financial statements, tax returns and supporting documentation, and properly package loan requests for underwriting. Assume responsibility for proper documentation and data integrity throughout the loan origination, annual review and renewal process. Actively develop and execute outbound calling strategies to successfully acquire, manage and grow profitable business relationships. Collaborate with Commercial and Business Relationship Bankers, and branch colleagues to support and drive business membership growth. Remain informed of VyStar's credit standards, pricing structure, loan policies and procedures, member service practices and other information fundamental to the successful execution of the Commercial Banker job duties and responsibilities. Accurately and consistently monitor, maintain, and update sales activity, pipeline, and other pertinent information using the VyStar's contact management system. Represent VyStar in the community by actively participating in civic affairs and local and professional organizations to identify and develop new clients and enhance the credit union's image and commitment to the local community. Effectively interact with Commercial Services portfolio management, credit underwriting and servicing departments to efficiently process loan requests, renewals, and any other credit related activities. Actively call on existing business members within assigned portfolio to ensure that members' needs are being met, and appropriate solutions are presented. Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, and VyStar in general. Maintain an in-depth knowledge of VyStar's business services products and services. Effectively handle incoming business services inquires and referrals from branches, call center and other internal partners. Leverage problem-solving and strong communication skills to resolve business member issues and disputes. <