COMMERCIAL BUSINESS BANKER

TITLE Commercial Business Banker

EOE STATEMENT

CFG is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.

LOCATION CFG Corporate Office


DESCRIPTION

POSITION SUMMARY:

Actively solicits prospects and referral sources for new commercial loan and deposit opportunities. Plays an active role in the community to represent the Bank and obtain new business leads. Identifies cross-sell opportunities and makes referrals to the appropriate areas of the Bank. Performs preliminary underwriting to determine credit worthiness and presents loan requests for approval. Negotiates loan terms and Bank documents. Ensures loans are risk rated properly.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Develop new banking relationships with business prospects. Service existing business banking client base. Achieve established goals as outlined by manager.
• Work with branch partners to maximize sales efforts to business customers and cross sell other products and services that the bank offers. Network with centers of influence to develop business including accountants, attorneys and other referral sources.
• Evaluate credit information and requests and recommend appropriate loan structure to manage risk. Effectively negotiate with underwriters and clients to maximize revenue and minimize risk.
• Achieve sales goals with minimum expectations as follows:
• Loan production of $4MM to $8MM.
• Deposit balance production of $800M to $2MM.
• Manage loan portfolio of relationship to include annual reviews, covenant compliance.
• Actively participate in all business banking business development. Achieve call targets and other product sales goals such cash management, visa merchant, and others as assigned. Utilize prescribed selling techniques to maximize sales opportunities.
• Determines banking needs of clients and structures appropriate solutions.
• Provides financial counseling and quality customer service.
• Meets periodically with Chief Lending Officer to review pipeline.
• Plays an active leadership role in the community and at corporate events, which leads to additional sales opportunities.
• Determines the credit worthiness of loan requests via analysis of financial information and discussions with Chief Lending Officer.
• Negotiates loan structure and pricing.
• Coordinates with administrative support and credit department to prepare written credit analysis of loan/cash management request.
• Reviews and negotiates loan documents and handles loan closings.
• Recommends appropriate risk ratings to ensure risks are properly identified and loans are accurately rated.
• Assists administrative staff in the collection of past due loans.
• Responsible for asset quality of originated loans (past dues, charge offs, non-accruals and criticized assets).
• Analyzes applicant's capacity to repay and determine whether a loan may be an acceptable risk within loan policy guidelines.
• Obtains and directs the analysis of all necessary financial data.
• Conducts credit checks, conducts or initiates assessments and makes site visits as necessary.
• Maintains the confidentiality of all customer and bank relationships.
• Promotes and support the Community Development efforts of the bank.
• Assists other lending staff as needed.

QUALIFICATIONS AND REQUIREMENTS:

• Four-year college degree in business preferred.
• Successfully completed formal lending/training program or equivalent.
• Minimum of 5 years commercial lending experience.
• Ability to determine through underwriting/analyzing loan requests the viability of a loan request.
• Must be proficient with commercial loan structuring and government regulations.
• Ability to attract and retain commercial relationships.
• Must possess knowledge of loan documentation.
• Ability to manage larger more complex credit requests.
• Must be a team player.

WORK ENVIRONMENT: We offer a hybrid schedule, with 3 days in office and 2 days remote after the initial 90-day period.

EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABLED. CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.

ABOUT THE ORGANIZATION

CFG BANK HAS ESTABLISHED POLICIES AND PROCEDURES TO FULFILL THE REQUIREMENTS OF THE BANK SECRECY ACT (BSA), USA PATRIOT ACT (CUSTOMER IDENTIFICATION PROGRAM) AND ECONOMIC SANCTIONS PROGRAM (OFAC). IN ORDER TO ENABLE ITS EMPLOYEES TO ACHIEVE THE OBJECTIVES AND RESPONSIBILITIES OUTLINED IN THESE POLICIES AND PROCEDURES AND TO COMPLY WITH THE REQUIREMENTS OF THESE ACTS AND LAWS, THE BANK HAS SET FORTH UP-TO-DATE CURRENCY TRANSACTION REPORTING AND SUSPICIOUS TRANSACTION REPORTING PROCEDURES INTENDED TO ASSURE THE PREPARATION AND FILING OF COMPLETE AND ACCURATE CURRENCY TRANSACTION REPORTS (CTR) AND SUSPICIOUS ACTIVITY REPORTS (SAR) FOR EACH AND EVERY REPORTABLE TRANSACTION AND HAS PROVIDED CURRENT OFAC LISTS FOR NEW CUSTOMERS AND LOAN APPLICANT COMPARISONS.



AS AN EMPLOYEE OF CFG BANK YOU ARE REQUIRED TO BE:

DEDICATED TO ACHIEVING THE OBJECTIVE OF ASSISTING BANK MANAGEMENT IN THEIR EFFORTS TO IDENTIFY REPORTABLE TRANSACTIONS; AND

DEDICATED TO ACHIEVING THE OBJECTIVES AND REPORTING REQUIREMENTS OUTLINED IN THE BANK'S BSA, CUSTOMER IDENTIFICATION PROGRAM AND ECONOMIC SANCTION PROGRAM POLICES.



THE MANDATORY TRAINING TO COMPLY WITH THE REQUIREMENTS OF THE BANK'S BSA, USA PATRIOT ACT AND ECONOMIC SANCTIONS PROGRAM WILL BE PROVIDED WITHIN 90 DAYS OF ACCEPTING THIS POSITION.

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