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The Commercial Banker I is focused on acquiring, growing, and retaining large more complex commercial relationships while cross selling the Bank's other business lines through a focused and structured client focused business development plan. Position may concentrate in CRE or C&I relationship. Key measurements of success are net new loan and deposit growth, fee income, referrals to other lines of business and portfolio management including asset quality. Officers in this position are expected to manage a portfolio up to $50M. Commercial Banker I that typically reside in markets of MSA's greater than 500,000.
Essential Duties and Responsibilities
Strategic focus on large, more complex commercial client activity through relational selling as a trusted advisor role to assist them in recognizing opportunities and risks while helping them accomplish their goals through their use of Bank's products and services. Establishes and negotiates the terms under which large commercial credit will be extended including cost, risk, and profitability determining the method, schedule and collateral requirements. Reviews and analyzes complex financial information to determine a borrower's creditworthiness. Will present recommendations to loan committee and exhibits a deep understanding of credits presented. Responsible for the profitability of all commercial relationships within the portfolio. Responsible for ultimate portfolio management which may include borrowing base and/or construction draw processes. Monitor loan repayment activities, the collection of past due accounts, and credit and collateral deficiencies. Adheres to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits. Actively cross sells other bank products, such as; all commercial products, treasury management, employee benefits and wealth management services to build deep banking relationships. Become active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation of the Bank. Ability to meet individual goals and contribute in a team oriented environment to ensure departmental and Bank wide goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit. Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training. Performs other duties and responsibilities as assigned.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
Equal Employment Opportunity Information: Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.