C I Commercial Lender

Company: BancorpSouth
Location: Birmingham
Posted on: March 28, 2020

Job Description:

There are many things to consider when deciding on your next employer. Do you want a job where you earn a paycheck? Or do you want a CAREER with a company that values their employees as well as the communities that they are in? At BancorpSouth we are more than just a work place. We are a company that prides itself on values and the people that we employ. Start your search for a career with BancorpSouth. Position: Commercial Lender Physical Location: Birmingham, Alabama Reports To: Commercial Banking Leader Working Conditions: Normal, no adverse or hazardous conditions Job Group Category: Exempt Work Hours: 8:00 to 5:00 with additional time as needed Primary Purpose: The BancorpSouth Commercial Lenders primary responsibility is to develop and manage a portfolio of complex commercial and industrial clients. The Commercial Lender will lead the credit process with its support team and will partner with the credit team to deliver the appropriate credit solutions. The Commercial lender will consult with various business partners to create a team-based book of relationships. Principal Duties and Responsibilities: * Business Development * Develops meaningful business relationships with targeted customers, prospects and referral sources. * Represents the bank in public relations activities and community affairs. * Manage a Loan, Deposit and Service-based Portfolio * Interviews commercial clients and provides the appropriate loan, deposit or service to resolve the customers identified needs. * Analyzes applicant financial status and credit to determine feasibility of granting a loan. * Approves loans that meet established lending criteria and are within approved lending limits. Works with credit administration on loans exceeding the individual loan limits. * Negotiates pricing and structure, prepares appropriate loan documentation and verifies loan agreements are complete and accurate according to bank policy. * Accountable for leading all portfolio management responsibilities including monitoring client performance and ongoing risks, past dues, problem asset management, future maturities, ticklers and exceptions. * Leverages the Loan Administrative Assistants and Portfolio Manager to create a team-based customer service experience and risk management routines. * Partnerships * Partners with local leadership and various business units to create team-based client relationships (Treasury Management, Equipment Finance, Capital Markets, Tax Credits, Trust, Premier Banking). Job Specifications: * Bachelor s degree in Business, Finance, Accounting or a related field. * A minimum of 5 years experience in a financial institution including credit analysis and commercial banking. * The completion of an appropriate banking school is preferred. * Knowledgeable of Bank s loan policies and procedures and general laws and regulations applicable to general banking and commercial banking. * Strong understanding and application of credit and finance. * Excellent verbal and written communication skills. Strong negotiating skills. * Sales and business development oriented. Has a good network of business contacts. * Must have excellent analytical and critical thinking skills and be able to multi-task under pressure. * Must have a desire to thrive in a fast paced and team focused environment. Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.

Keywords: BancorpSouth, Birmingham , C I Commercial Lender, Accounting, Auditing , Birmingham, Alabama