Essential Duties and Responsibilities:

Identifies, develops, and secures new business opportunities within the local market. Strives to meet or exceed established sales, service, and profit goals.

Builds and maintains strong relationships with clients, referral sources, and community organizations.

Manages and grow an assigned portfolio of commercial loan accounts.

Acts as a trusted advisor, offering customized financial solutions to meet clients' needs.

Evaluates and analyzes financial statements, cash flow projections, and collateral to determine creditworthiness.

Monitors portfolio performance and proactively identifies and addresses potential risks or delinquency issues.

Prepares detailed loan presentations and makes recommendations to the credit committee. Collaborates with credit analysts to ensure accuracy and efficiency in the underwriting process.

Assesses and structures credit proposals for commercial clients, including real estate, working capital, and equipment financing.

Properly documents loans in accordance with loan approvals and Loan Policy. Ensure all loans comply with banking regulations and internal policies.

Responsible for collecting past due loan payments and managing troubled relationships within their portfolio.

Conducts regular client meetings to review loan performance, identifies cross-selling opportunities, and resolve issues.

Works closely with Cash Management staff to meet the deposit and cash management needs of commercial loan customers.