Commercial Banker I
Looking for an award winning place to use your skills and experience to make an impact? It's an exciting time to join our growing team at First Citizens Bank. We are one of the top financial services providers in the nation, recognized and awarded for our customer satisfaction, sustainable profitability, and overall stability and security.
This role supports the Banks mission through effective sales and service, targeted business development efforts and community involvement. The Commercial Banker (CB) is responsible for developing and managing commercial banking relationships in accordance with FCBs core values and prescribed sales process in an assigned area. Primary focus is on loan and deposit production and fee income generation. The position manages a large portfolio of commercial relationships and serves as the primary contact for borrowing needs while engaging bank partners to help provide business services to meet the customers full range of needs. The CB I generally targets commercial customers with loan needs greater than $1,500,000.
Sales: Develop & implement a commercial banking sales plan to achieve monthly sales and profitability objectives outlined in the Banks sales program expectations. Identify needs and sell all bank products to broaden and deepen relationships with customers and prospects, adhering to the Banks prescribed sales process. Utilize bank sales tool. Develop and utilize centers of influence to help generate referrals.
Portfolio Management: Manage a portfolio of larger, complex credits and provide financial solutions that address client needs. Maintain high level of product knowledge to enable the sale of lending, deposit and business services products, and the referral of retail and wealth products. Prepare credit packages for review and approval by credit partners. Perform credit analysis of financial data, write credit memos, recommend loan structure, pricing and packaging. Perform loan servicing duties to ensure conformity with loan terms and conditions. Assist in collection of loan delinquencies in a timely manner. Interview loan applicants and originate loans for centralized approval. Recommend appropriate denied loans for exception approval.
Risk Mitigation/Compliance: Monitor portfolio performance take action necessary to ensure compliance with goals/standards for watch list credits, charge offs, loan documentation exceptions, loan servicing expectations and CRA activity. Escalate problem loans as needed. Complete all required compliance and credit training and adhere to all compliance policy.
Partnerships: Maintain a productive working relationship with Business Services partners and other corporate divisions, bringing sales partners into client relationships as needed to manage the total financial services relationship for our customers and prospects.
Community: Represent the Bank in various civic and community functions to further enhance the Bank's image and development of additional business.
Bachelor degree with a minimum of 6 years banking experience in business lending, credit or business development.
High school diploma or GED with a minimum of 10 years banking experience in business lending, credit or business development.
Business development experience.
Financial analysis and credit underwriting skills.
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