First Carolina Bank
Commercial Banking Officer
First Carolina Bank, Raleigh, North Carolina, United States, 27601
Position Purpose
This role works in partnership with the Market Executive to ensure the local area market meets its goals for portfolio growth and management in categories of commercial banking to include loans, deposits, and fee income.
Primary Responsibilities
Promote commercial banking business development and cross-sell other bank products and services to include retail banking and residential mortgage
Facilitate opening and closing of commercial loan & deposit accounts
Work closely with treasury officer to assist in selling and implementation of appropriate treasury services
Respond to customer inquiries and concerns
Contact customer for disposition of accounts
Contact current and potential bank customers by mail, phone or in person to solicit new business to meet specific goals as outlined
Counsel customers regarding financial matters
Follow up to ascertain that transactions are completed to the customer’s satisfaction
Create and submit loan presentations, work with underwriting on deals as developed, provide expert advice to both business and retail borrowing customers, meet with clients regularly to gain knowledge of their respective business and industry, update financial performance of the borrower, and determine future financial needs of customers
Secure proper documentation and manage loan process through closing of loan
Analyze customers' creditworthiness and cash flow to determine adherence to Bank's credit requirements
Ensure that customers provide financial documentation as required to properly prepare annual loan reviews
Initiate proactive collection calls to ensure timely payment of loans
Provide weekly loan / deposit pipeline updates to Managing Director
Assist with other projects as requested
Authority, Impact, Risk
Official Check Authority
Wire Signing Authority
Wire Input Authority
Check Cashing Authority
Ensures appropriate due diligence is exercised in new account opening, credit applications, wire transfers, maintenance of files, credit bureau reporting and other processes
Exercises good judgment that balances risk to shareholders and customer experience when making decisions
BSA, fraud, identity theft
Key Relationships
Routine interaction with department heads across Lending, Operations, IT, Risk, Sales, and Compliance
Market Executive, CAO, CCO & CEO
Board Members and Shareholders
Community leaders
Lenders, Customer Service Representatives, Tellers, and customers
Regulatory examiners as appropriate and directed by Senior Management Managerial Accountability
Working Conditions
Ability to work under tight deadlines
Ability to be self‑motivated and well organized
Ability to multi‑task
Good communication
Some travel required
Prepare presentations, conduct training, and hold meetings
Familiarity with FCB Credit Policy, pricing, and other pertinent regulations in the Bank's Policy Manual
Time Allocation Service existing accounts … 25%
Loan prospecting production & referrals … 75%
Job Specifications Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required
Bachelor's Degree or at least 4 years' experience in a sales environment
Strong computer skills
Exceptional human relations and communication skills
Excellent reading, writing, grammar, and mathematical skills
Understanding of State and Federal laws governing lending
Passion for business development
Previous banking experience
Understanding of commercial underwriting practices and guidelines
Understanding of generally accepted accounting principals
Preferred
7 years of progressively more responsible job‑related experience
JHA product knowledge
High capacity for learning and articulating ideas
Risk Management Requirements Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.
Understands and adheres to Anti‑Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.
Acts within authorized limits and delegated authorities and role applicable policies and procedures.
Follows processes and controls to protect shareholder interests.
Mitigates risk to the bank and customers by following all applicable security procedures.
Equal Opportunity Employer Equal Opportunity Employer including Veterans / Disabilities
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Primary Responsibilities
Promote commercial banking business development and cross-sell other bank products and services to include retail banking and residential mortgage
Facilitate opening and closing of commercial loan & deposit accounts
Work closely with treasury officer to assist in selling and implementation of appropriate treasury services
Respond to customer inquiries and concerns
Contact customer for disposition of accounts
Contact current and potential bank customers by mail, phone or in person to solicit new business to meet specific goals as outlined
Counsel customers regarding financial matters
Follow up to ascertain that transactions are completed to the customer’s satisfaction
Create and submit loan presentations, work with underwriting on deals as developed, provide expert advice to both business and retail borrowing customers, meet with clients regularly to gain knowledge of their respective business and industry, update financial performance of the borrower, and determine future financial needs of customers
Secure proper documentation and manage loan process through closing of loan
Analyze customers' creditworthiness and cash flow to determine adherence to Bank's credit requirements
Ensure that customers provide financial documentation as required to properly prepare annual loan reviews
Initiate proactive collection calls to ensure timely payment of loans
Provide weekly loan / deposit pipeline updates to Managing Director
Assist with other projects as requested
Authority, Impact, Risk
Official Check Authority
Wire Signing Authority
Wire Input Authority
Check Cashing Authority
Ensures appropriate due diligence is exercised in new account opening, credit applications, wire transfers, maintenance of files, credit bureau reporting and other processes
Exercises good judgment that balances risk to shareholders and customer experience when making decisions
BSA, fraud, identity theft
Key Relationships
Routine interaction with department heads across Lending, Operations, IT, Risk, Sales, and Compliance
Market Executive, CAO, CCO & CEO
Board Members and Shareholders
Community leaders
Lenders, Customer Service Representatives, Tellers, and customers
Regulatory examiners as appropriate and directed by Senior Management Managerial Accountability
Working Conditions
Ability to work under tight deadlines
Ability to be self‑motivated and well organized
Ability to multi‑task
Good communication
Some travel required
Prepare presentations, conduct training, and hold meetings
Familiarity with FCB Credit Policy, pricing, and other pertinent regulations in the Bank's Policy Manual
Time Allocation Service existing accounts … 25%
Loan prospecting production & referrals … 75%
Job Specifications Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required
Bachelor's Degree or at least 4 years' experience in a sales environment
Strong computer skills
Exceptional human relations and communication skills
Excellent reading, writing, grammar, and mathematical skills
Understanding of State and Federal laws governing lending
Passion for business development
Previous banking experience
Understanding of commercial underwriting practices and guidelines
Understanding of generally accepted accounting principals
Preferred
7 years of progressively more responsible job‑related experience
JHA product knowledge
High capacity for learning and articulating ideas
Risk Management Requirements Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.
Understands and adheres to Anti‑Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.
Acts within authorized limits and delegated authorities and role applicable policies and procedures.
Follows processes and controls to protect shareholder interests.
Mitigates risk to the bank and customers by following all applicable security procedures.
Equal Opportunity Employer Equal Opportunity Employer including Veterans / Disabilities
#J-18808-Ljbffr