C&I Commercial Banker II

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A C&I Commercial Banker II 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 will concentrate in C&I relationships. 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.

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.

Qualifications

• 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.

Skills

• Well-developed interpersonal and negotiating skills are required.

• Excellent written and verbal communication skills.

• Basic accounting, credit, and sales skills.

• Detail oriented and proven ability to multi-task.

• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations.

• Ability to read, analyze and interpret financial report and/or legal documents.

• Ability to write routine reports and business correspondence.

• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization.

• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors.

• Education and/or Experience

• A Bachelor’s degree in business, finance, related field, or relevant job experience is preferred.

• Four to six years minimum experience in a commercial banking function and significant experience in complex lending is preferred.

• Highly developed sales skills are required.

• Experience in the local market required for better understanding of the lending environment and potential customer base is preferred.

• Computer Skills

• MS Office programs.

• Proficiency in lending computer software.

• Certificates, Licenses, Registrations

• NMLS required.

• Other Qualifications (including physical requirements)

• Analytical – ability to collect data and use experience and skill set to make credit decisions

• Oral – Possesses the ability to speak clearly and persuasively in all situations. Responds clearly to questions and demonstrates presentations skills.

• Written – Written material is informative, edits work for spelling and grammar

• Teamwork – Balances individual responsibilities and team goals. Contributes to building a positive team environment and provides support for others when needed.

• Leadership – Exhibits confidence and motives other team members.

• 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.