Commercial Banking Officer

Job description

Primary Purpose: The Commercial Banking Officer manages and grows a portfolio of business clients by providing financial solutions such as loans, treasury services, and credit facilities. They act as trusted advisors to companies, analyzing financial health, assessing credit risks, and driving revenue growth. Key responsibilities include prospecting for new business, managing client relationships, and structuring deals. Essential Responsibilities: - Analyzes financial statements, tax returns, and cash flows to evaluate creditworthiness and assign risk ratings. Develops and maintains strong relationships with commercial members, including regular visits to their premises. - Negotiates loan terms, prepares credit presentations, and guides applications through the approval process. - Provides members with tailored financial solutions and services to meet their needs, including loan origination, deposit gathering, cash management, and other services. - Actively sources, pitches, and acquire new commercial members through networking, referrals, and market research. - Conducts thorough financial analysis and underwriting of member’s financial statements. Assists members in navigating com...