The Commercial Banker is responsible for developing, growing, and retaining commercial relationships while promptly and professionally servicing current client needs. This position participates in community and professional organizations to increase the Bank’s visibility and enhance new business opportunities. The Commercial Banker is also responsible for structuring and managing credit risk consistent with the Bank’s credit policy and lending practices.

Essential Duties and Responsibilities: 

Business Development

  • Attracts new clients and relationships through strong calling efforts and networking
  • Manages existing relationships by proactively seeking additional business, promptly working on future maturities, and participating in the annual review process to determine if additional lending needs are present
  • Participates in trade associations, community, and professional organizations to increase the Bank’s visibility and enhance new business opportunities
  • Focuses on growing deposits, loans, and fee income in a profitable manner based on an annual work plan to set objectives and goals
  • Creates, manages, and sustains client and prospective client data using the Bank’s client relationship management system (CRM), currently Microsoft Dynamics 365
  • Maintains awareness of the Bank’s marketing strategies, advertisements, and press releases

Client Servicing & Relationship Management

  • Interviews, takes applications, and processes preliminary documentation on loan requests
  • Discusses loan alternatives, credit criteria, and interest rates with prospective clients
  • Promotes and markets other appropriate Bank offered products and services in such a manner as to elicit positive responses from clients
  • Establishes relationships of trust, confidence, and value to earn primary depository relationships with clients
  • Answers questions and resolves requests while keeping borrowers informed of the Bank’s loan policies and services

Credit Approval & Risk Management

  • Completes thorough analysis and evaluation of all new and renewed loan requests
  • Prepares written submission and presentation for consideration by the Loan Committee
  • Serves as a voting member on the Bank’s Loan Committee and other committees as deemed appropriate by management
  • Monitors existing and established procedures to assure that the Bank’s loan portfolio is managed and documented per the Bank’s lending policy and banking regulations
  • Proactively identifies and manages risk through the careful review of client financial statements and various internal reports. Works with Chief Credit Officer and clients to minimize loss
  • Assists in the collection of delinquent accounts and keeps management informed of collection activities and any significant problems

Other Responsibilities

  • Completes banking functions following established Bank policies and legal requirements
  • Completes required monthly and/or quarterly reports for management
  • Completes special projects as assigned
  • Ensures work area is clean, secure, and well maintained
  • Maintains and projects the Bank’s professional reputation while also maintaining Bank and client confidentiality
  • Performs all job functions and interactions with fellow Bank employees, clients, vendors, and prospective clients within the guidelines of the DRAKE BANK Core Values: Dedicated, Reliable, Authentic, Knowledgeable, and Ethical
  • Performs other duties as assigned

Regulatory Compliance Requirements:

  • Continually enhances knowledge of regulatory and compliance issues by completing all required online training and attending in-house and external training presentations
  • Performs all job functions in accordance with Federal and State regulations and within banking policies

Education and Experience:

  • Bachelor’s degree in Business, Finance, or a related field
  • Minimum of five (5) years of commercial banking and/or lending experience
  • Or an equivalent combination of education and work experience
  • Experience with Small Business Administration (SBA) lending (Preferred)

Knowledge / Skills Required:

  • Strong knowledge of bank lending and collections programs, policies, and procedures
  • Strong knowledge of financial analysis and creditworthiness
  • Familiarity with and understanding of community bank operations, products, and services
  • Strong Business Development Skills
  • Ability to communicate effectively and successfully while marketing, promoting, and selling the products and services of the Bank
  • Excellent verbal and written communication skills to negotiate terms and conditions with current and prospective clients
  • Ability to listen, speak clearly, and effectively to others
  • Strong time management, attention to detail, and organizational skills with the ability to multi-task
  • Ability to problem solve and work without direction
  • Self-starter with a passion for compliance and appreciation for the rules
  • Ability to establish and foster strong professional relationships with both employees and external sources such as examiners
  • Satisfactory skillset in Microsoft Outlook, Microsoft Word, Microsoft Excel, Microsoft Teams, Microsoft Dynamics 365 CRM, and Fiserv applications

Working Conditions, Equipment and Tools Used, Environment, and Cognitive / Physical Demands:

  • The environment for this position is a private office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The individual is in a non-confined office setting where they are free to move about at will
  • Ability to sit and/or stand for extended periods of time in an office setting
  • Good organizational and time management skills
  • Effective verbal and written communication skills, including use of phone, computer, speaking, listening, and presenting
  • Ability to problem-solve and negotiate acceptable resolutions
  • Solid math and analytical skills
  • Computer literacy

Drake Bank provides competitive salaries and an excellent benefits package.
Drake Bank is an Equal Opportunity Employer.
Job Type: Full-time

How to Apply:

Please send your resume to