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Job: Commercial Banker, North Trust Bank, Raleigh, NC
Raleigh, NC 27609 United States
Only current U.S. residents will be considered
Banking & Information Technology
North State Bank has an exciting opportunity for a Commercial Banker in the Raleigh, NC area. The Commercial Banker is responsible for the business development efforts within an assigned market area, culminating in the creation of new or enhanced deposit relationships and the production of commercial loans.
Essential Duties and Responsibilities (include but not limited to):
Actively engages in business development and civic initiatives with contacts throughout the community, including customers and prospective customers to achieve defined goals.
Calls on customers and prospects to determine the scope of the potential relationship opportunities and alignment with the Bank’s core values and strategic vision.
Initiates and executes sound and profitable complex credit requests.
Obtains necessary documents to fully underwrite and document credit requests.
Analyzes the applicant’s financial information, assesses risk, and approves or recommends approval of customer application for loans.
Seeks guidance and input from the Credit Administration Department on complex credit requests or those that exceed loan authority.
Establishes the structure of the loan, including pricing, terms and duration in accordance with the customer relationship and our Banks' policies, as well as compliance and regulatory guidelines.
Ensures loan documentation files are complete, including comprehensive documentation of the decision making process.
Responsible for ongoing portfolio management of relationships including identification and documentation of problem loans, policy exceptions, grade changes, annual reviews, watchlist reviews, and/or special reviews that may be required.
Maintains credit quality to minimize exceptions, and to prevent past dues and charge offs.
Refers the customer to the offices for the sale of additional financial products and services.
The ideal candidate will possess a bachelor's degree in business management or related field or an equivalent combination of education and experience. Ten or more years of commercial lending experience. The candidate will have a proven track record of sound credit underwriting skills and an extensive working knowledge of banking regulations. The candidate will possess and maintain eligibility for NMLS registration. Necessary for this role will be excellent communication and interpersonal skills, as well as proficiency with Microsoft Word and Excel.
North State Bank provides competitive compensation and an excellent, flexible benefits program. With North State Bank benefits, you have the flexibility to choose what's right for you and your family. We hope you will see it come down to one simple truth: North State Bank is a great place to work!
North State Bank is an equal opportunity employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
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