Commercial Relationship Officer
Firstar Bank, Fort Smith, AR, United States
Commercial Relationship Officer
Position Type: Full Time Description
Position Purpose:
Responsible for business development and growth of commercial loan and bank products, plus management of a loan portfolio comprised of small to medium size loans. Job Duties and Responsibilities: Build relationships while interviewing loan applicants to gather information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Develop and manage commercial and consumer loan portfolios including maturing loans, past due loans, exceptions and deposits. Make decisions on loans and terms if within own lending limits or make recommendations to the Executive Loan Committee when necessary. Analyze loan requests and develop written proposals to the Executive Loan Committee. Ensure timely delivery of technically accurate spread sheets, loan monitoring activities, and annual exposure reviews to facilitate a sound credit portfolio. Manage maturing loans, past dues, exceptions, and deposits of the portfolio. Coordinate the origination and closing of loan requests. Ensure compliance to government regulations and bank policies. Network in the community to develop relationships and create new business opportunities including commercial and consumer loans, real estate loans, deposit products, investment products and treasury management products. Direct and assist support staff, as needed. Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships. Project a positive and helpful image to all customers of the bank. Complete annual training as required. Participate in bank/community activities. Other duties as assigned. Qualifications
Skills and Abilities Required: Thorough understanding of commercial lending principles and practices as well as knowledge of government and compliance regulations. Advanced financial analysis skills, strong negotiation and sales skills. In-depth knowledge of credit analysis. Well-organized and good time management skills. Ability to build professional relationships with coworkers and customers. Excellent written, verbal, and presentation skills. Strong sense of initiative; self-motivated; work well without close supervision. Interpersonal skills with all levels of the organization to include coaching and management. Strong computer skills; proficient in Microsoft Word, Excel and Outlook. Experience and Education Requirements: Minimum three (3) years of portfolio management experience. Bachelor's Degree or equivalent of five (5) years of work experience. Physical Requirements: Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking. May occasionally lift up to 25 pounds which may include the need for independent mobility: bend, reach, or kneel. Visual and auditory skills are required. Performance Standards: Accuracy: Completeness of documents prepared. Responsiveness: Timeliness of completion of documents and responding to requests for information. Relationships: Ability to work well with others. Guidance: Ability to provide guidance by answering questions and training others. Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets
Position Type: Full Time Description
Position Purpose:
Responsible for business development and growth of commercial loan and bank products, plus management of a loan portfolio comprised of small to medium size loans. Job Duties and Responsibilities: Build relationships while interviewing loan applicants to gather information concerning their needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Develop and manage commercial and consumer loan portfolios including maturing loans, past due loans, exceptions and deposits. Make decisions on loans and terms if within own lending limits or make recommendations to the Executive Loan Committee when necessary. Analyze loan requests and develop written proposals to the Executive Loan Committee. Ensure timely delivery of technically accurate spread sheets, loan monitoring activities, and annual exposure reviews to facilitate a sound credit portfolio. Manage maturing loans, past dues, exceptions, and deposits of the portfolio. Coordinate the origination and closing of loan requests. Ensure compliance to government regulations and bank policies. Network in the community to develop relationships and create new business opportunities including commercial and consumer loans, real estate loans, deposit products, investment products and treasury management products. Direct and assist support staff, as needed. Represent Firstar Bank in various civic and community functions to further enhance its image and develop or promote additional business/consumer relationships. Project a positive and helpful image to all customers of the bank. Complete annual training as required. Participate in bank/community activities. Other duties as assigned. Qualifications
Skills and Abilities Required: Thorough understanding of commercial lending principles and practices as well as knowledge of government and compliance regulations. Advanced financial analysis skills, strong negotiation and sales skills. In-depth knowledge of credit analysis. Well-organized and good time management skills. Ability to build professional relationships with coworkers and customers. Excellent written, verbal, and presentation skills. Strong sense of initiative; self-motivated; work well without close supervision. Interpersonal skills with all levels of the organization to include coaching and management. Strong computer skills; proficient in Microsoft Word, Excel and Outlook. Experience and Education Requirements: Minimum three (3) years of portfolio management experience. Bachelor's Degree or equivalent of five (5) years of work experience. Physical Requirements: Typically requires sitting for long periods of time with frequent keyboard/mouse usage and intermittent stooping, bending and walking. May occasionally lift up to 25 pounds which may include the need for independent mobility: bend, reach, or kneel. Visual and auditory skills are required. Performance Standards: Accuracy: Completeness of documents prepared. Responsiveness: Timeliness of completion of documents and responding to requests for information. Relationships: Ability to work well with others. Guidance: Ability to provide guidance by answering questions and training others. Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets