Commercial Banker II

Department: Commercial Lending
Reports to: Senior Commercial Banker / Commercial Loan Department Manager
Supervises: None
Status: Exempt
Level: Level 7


Business development (New loan origination), Oversee individual loan portfolio, and assess commercial credit risk.

Job Requirements:

  • Bachelor's degree in business, finance or related field.
  • Five to seven years of experience as a commercial lender.
  • The ability to develop and administer a personal loan portfolio of up to $30mm.
  • Knowledge of commercial lending policies and procedures.
  • Knowledge of lending services and related areas.
  • Good managerial, communication and sales skills.

Specific Job Functions:

  • Analyzes the credit history of applicants and determines their loan repayment capabilities.
  • Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.
  • Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
  • Evaluates potential and existing customer loan requests and makes loan recommendations to management.
  • Reviews new laws and regulations that influence business lending within SIS Bank and makes recommendations to management when necessary.
  • Develops new customer prospects and business.
  • Make policy and procedures recommendations as needed.
  • Involvment in the community to provide maximum opportunity to provide bank products and services i.e. Rotary, Kiwanis or other Civic groups.
  • Supports goals of the bank while working within policy objectives.

This Job Description describes the essential functions and qualifications of the job described. It is not an exhaustive statement of all the duties, responsibilities or qualifications of the job. This document is not intended to exclude modifications consistent with providing reasonable accommodations for a disability. This is not a contract.