About the job
The Commercial Banking Officer plays a vital role in cultivating and managing significant commercial banking relationships. This position requires a blend of sales acumen and risk management expertise, focusing on both credit and non-credit services. The ideal candidate will engage with clients frequently, establishing themselves as the primary banking contact and deeply understanding client goals and needs. This role also allows for valuable insights into client businesses beyond standard banking services.
The successful Commercial Banking Officer will contribute meaningfully to the bank's objectives regarding loans, deposits, and non-interest income while maintaining a sharp awareness of personal portfolio goals.
- Identify and pursue business development opportunities through various channels, including records, networking events, and industry publications.
- Build new client relationships through a structured business development strategy that encompasses outreach to both existing and potential clients, utilizing a robust contact management system.
- Engage in collaborative business development efforts, partnering with branch staff and product specialists, attending community events, and facilitating client engagement through newsletters and other communications.
- Conduct interviews with applicants seeking commercial banking services, evaluating both credit and non-credit needs.
- Address client needs, concerns, or complaints by collaborating with relevant stakeholders to ensure a seamless banking experience.
- Assess potential loan applications and provide informed recommendations to management, analyzing credit requests and utilizing comprehensive information to gauge repayment capabilities.
- Prepare and present credit requests to management in accordance with established policies, including the preparation of loan memoranda.
- Present a range of credit and non-credit products to clients and prospects, coordinating referrals to appropriate product specialists.
- Negotiate credit terms in alignment with market conditions and organizational policies, ensuring competitiveness and profitability.
- Package loans for clients and prospects, recommending terms and conditions while ensuring document accuracy related to approved credit facilities. Collaborate with legal counsel as necessary.

