Careers

The Commercial Banking Officer is tasked with business development activities, originating commercial loans, underwriting, and managing a portfolio of commercial loans in accordance with bank policies and regulatory requirements. This position works to develop new commercial relationships and community connections, enhance and grow existing commercial relationships, and maintain a high-quality commercial loan portfolio. The role will maintain a focus to ensure activities align with overall bank targets for growth, profitability, and risk management objectives, while supporting the bank’s community focus.

 

Primary Duties and Responsibilities:

• Develops new business in the markets that the Bank serves by proactively prospecting new customers, key community players, and centers of influence.
  
  
• Serves as primary contact for commercial customers’ entire banking relationship. Represents the Bank and introduces and cross-sells other credit and non-credit bank products and services, collaborating with other bank departments to achieve results.
  
  
• Interviews loan applicants, gathers and evaluates financial information and related data to establish credit worthiness, establishes and negotiates credit terms, and continually monitors customers' financial condition and repayment progress.
  
  
• Underwrites and prepares reports and presentations for Loan Committee and Board of Directors, as required, and in collaboration with the commercial credit team.
  
  
• Approves loans within level of credit authority and denies loans that do not meet the credit criteria of the Bank. Advises applicant of denial with tact and in compliance with applicable laws.
  
  
• Manages collection and workout activities as assigned by the Senior Commercial Banking Officer.   
  
  
• Participates in community events and volunteer engagements to increase the Bank's visibility and to enhance new business opportunities.
  
  
• Participates in the annual budget planning process relating to the commercial banking area, as required, and aims to achieve target goals as communicated by the Senior Commercial Banking Officer.
  
  
• Responsible for resolving any documentation exceptions in loan portfolio.
  
  
• Prepares the portfolio and participates in audits and loan review for the commercial department and interacts with auditors, as necessary.
  
  
• Maintains positive internal relations and working relationships with other departments, committees, Loan Committee members, and the Board of Directors.
  
  
• Maintains confidentiality of information obtained and utilized in the normal course of business. Uses discretion and tact when dealing with confidential and sensitive issues.

• Bachelor’s Degree in business, finance, or related field; relevant certifications and industry specific education preferred.
  
  
• 5 to 7 years of progressive experience in commercial lending or related banking roles, including credit analysis and portfolio management.
  
  
• Demonstrated knowledge of structuring commercial loan products, underwriting standards, industry concepts, and regulatory requirements.
  
  
• Proven ability to develop new business and maintain high quality customer relationships.
  
  
• Proven ability to independently underwrite commercial loans with a strong understanding of accounting concepts, tax returns, economics, and financial ratios and concepts.
  
  
• Ability to write reports and business correspondence with a strong level of analytical/quantitative substance, and the ability to present these reports at meetings.
  
  
• Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of data and deal with several abstract and concrete variables.
  
  
• Ability to work independently and as a team member, fostering goodwill to enhance team morale.
  
  
• Strong organizational and leadership skills, with the ability to mentor junior staff.
  
  
• Strong communication and negotiation skills with the ability to communicate effectively and professionally in both written and oral forms.
  
  
• Proficient in Microsoft Office Suites, in particular; Word, Excel, and Outlook.
  
  
• Time management and organizational skills with an ability to establish priorities and achieve deadlines in an environment where the potential for stress exists.
  
  
• Strong decision-making and analytical skills.
  
  
• Positive attitude and professional customer service required.

The Branch Manager is responsible for managing the day-to-day operations of the Wilmington branch as well as being the primary contact for consumer lending and business development. In conjunction with our Commercial Banking team, the Branch Manager will be responsible for increasing market share within Wilmington and surrounding communities, growing the banks’ customer relationships and managing the overall profitability of the office.

 

Primary Duties and Responsibilities:

• Establishes customer service standards with guidance from SVP/Senior Retail Banking and oversees the effective, efficient and friendly delivery of products and services to customers while always maintaining security procedures.
  
  
• Establishes sales goals for deposit services in conjunction with the SVP/Senior Retail Banking Officer. Ensures that deposit products are competitive.
  
  
• Responsible for the daily management, development, staffing, training and performance management of staff members.
  
  
• Develops new business with existing and prospective clients (in conjunction with the other departments of the Bank such as Mortgage and Commercial Banking) through outside sales calls and meeting with community leaders and other business members of the area.
  
  
• Works with SVP/Senior Retail Banking Officer in coordinating the development and implementation of ongoing programs including Customer Service initiatives, cross-selling programs, and deposit operational needs.
  
  
• Originates consumer loans. Refers mortgage and commercial clients to the appropriate teams.
  
  
• Identifies new cash management service opportunities and works with the SVP/Senior Retail Banking Officer to set up, train and support those business customers.
  
  
• Oversee the operation of the office by resolving problems with customers or staff that need immediate attention. Resolves any maintenance issues with the building with support of the appropriate Main office staff.
  
  
• Ensure operational processes and standard operating procedures (SOPs) are adhered to.
  
  
• Provides direction and support for staff when handling more complex retail transactions.
  
  
• Work collaboratively with key business and operational departments.
  
  
• Assists in maintaining and updating Retail’s key core processing platforms.
  
  
• Participates in a variety of civic activities contributing to the visibility of the Bank.
  
  
• Performs other duties and responsibilities as assigned.

• Bachelor’s degree in business or 5 years progressive banking experience including supervising staff.
  
  
• Three to five years of consumer lending and deposit services experience preferred.
  
  
• Sales experience in a goal-based environment preferred.
  
  
• Experience in leading, motivating and developing a team.
  
  
• Effective interpersonal and people management skills.
  
  
• Strong decision making and analytical skills.
  
  
• Demonstrates effective verbal and written communication skills.
  
  
• Possesses strong computer skills with the ability to work with multiple software programs.
  
  
• Community minded.