Freelance Bank Risk Management Jobs in Alabama (NOW HIRING)

Job Title: Senior Commercial Banker

Position Summary:
The Commercial Banker will be responsible for identifying and developing new lending and deposit opportunities within the local market, managing and expanding the bank's commercial lending portfolio, and fostering strong business relationships with clients. The role involves originating loans, procuring deposits, cross-selling products and services, analyzing financial data, structuring loan terms, and ensuring compliance with regulatory requirements while balancing client needs with the bank's risk tolerance. The Commercial Banker will also collaborate with internal teams and credit committees to ensure timely and effective loan processing.

Essential Duties and Responsibilities:

• Business Development:
  Identify, pursue, and originate new commercial lending and deposit opportunities to expand the bank's lending and deposit portfolio, focusing on local market growth and business expansion.
• Client Relationship Management:
  Develop and maintain strong, lasting relationships with business owners, entrepreneurs, and key decision-makers. Act as the primary point of contact for commercial clients to ensure ongoing satisfaction and foster repeat business.
• Loan Origination & Structuring:
  Analyze financial statements, business plans, and industry trends to assess creditworthiness and structure loan terms that align with client needs and the bank's risk tolerance. Prepare and present loan proposals to senior management and credit committees.
• Loan Proposal Preparation:
  Prepare detailed loan proposals and presentations for credit committees, ensuring that all relevant financial and business data is thoroughly analyzed and presented clearly.
• Collaboration with Internal Teams:
  Work closely with credit underwriters, risk management, and other bank departments to process loan applications efficiently and ensure a smooth loan origination process.
• Regulatory Compliance & Risk Management:
  Ensure compliance with all applicable banking regulations, lending laws, and internal policies. Monitor loan portfolios to mitigate risks and maintain the integrity of the bank's lending practices.
• Market Awareness & Industry Trends:
  Stay informed about market conditions, industry trends, and regulatory changes to provide clients with informed advice and identify new business opportunities.
• Achieving Lending & Deposit Goals:
  Contribute to achieving individual and team lending and deposit goals, driving performance in line with bank objectives.
• Solution Selling:
  Marketing various deposit products to businesses including but not limited to checking accounts, savings accounts, Certificates of Deposit (CDs), and Treasury Management services.
• Community Engagement:
  Actively participate in community events, networking activities, and industry associations to promote the bank's services and increase visibility within the local business community.
• Other Duties as Assigned:
  Perform additional duties as needed.

Knowledge/Skills/Abilities:

• Strong understanding of various commercial loan products, credit analysis, and financial modeling.
• Strong knowledge of deposit accounts and treasury management products/services.
• Proven record of accomplishment in business development, client relationship management, and loan origination.
• Excellent communication, negotiation, and interpersonal skills.
• Proficiency in financial modeling, CRM software, and other relevant banking tools.
• Familiarity with local market conditions and business trends.

Competencies:

• Accountability: Willing to claim ownership for results of actions executed personally; meets personal and organizational obligations associated with serving customers and utilizing resources; and performs duties/position without requiring guidance.
• Collaboration: Cooperates with others to establish priorities and develop work plans; cooperates with team members to complete tasks assigned to the team; and consistently contributes to group discussions and shares information.
• Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; effectively handles situations with moderate degree of tension, conflict and/or distress.
• Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; makes appropriate decisions in given time restraints; demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations.
• Organizational Awareness: Understands the mission and functions of the organization; demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; educates others on organizational programs and policies; aware of the key stakeholders, decision-makers, and power dynamics within the organization.
• Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; applies effort and persistence toward the achievement of goals; willingly accepts new or additional responsibilities.

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Education and Experience:

• Required:
  • Bachelor's degree in Business, Finance, Economics, or related field.
  • 5-10 years of experience in commercial lending, preferably in a community bank setting.
• Preferred:
  • MBA or other related advanced degree.
  • Commercial lending certifications (e.g., RMA, CRC).
  • Experience in specific commercial sectors such as real estate, manufacturing, or agriculture.