Sr. Commercial Banker

Senior Commercial Banker

Department: Commercial Banking

Reports To: Market President

FLSA Status: Exempt

Position Summary

PrimeSouth Bank is seeking an experienced, relationship-driven Senior Commercial Banker to develop, manage, and expand a high-quality commercial loan & deposit portfolio while serving as a trusted financial advisor to business clients. This individual will be responsible for originating commercial loans, growing deposits, treasury management relationships, and delivering comprehensive financial solutions that help businesses succeed.

The ideal candidate is an accomplished lender with strong credit skills, a proven track record of business development, a well-established book of business from which they can migrate relationships, and a passion for serving local businesses and communities. This role requires a balance of relationship management, strategic sales, sound underwriting, and risk management.

Key Responsibilities:

Business Development & Relationship Management

• Develop and maintain long-term relationships with commercial clients, centers of influence, and community leaders.
• Identify opportunities to expand lending, deposit, treasury management, and other bank services.
• Focus on profitability and obtaining total relationships
• Generate new commercial loan and deposit relationships through proactive calling efforts, networking, referrals, and community involvement.
• Serve as the primary financial advisor for assigned commercial clients, providing consultative financial solutions tailored to their business needs.
• Collaborate with Retail, Treasury Management, and Mortgage to deliver comprehensive banking solutions.

Commercial Lending

• Successfully originate, structure, negotiate, and close commercial loan transactions, focusing on C&I relationships while cultivating and banking qualifying CRE relationships to support portfolio growth and profitability.
• Analyze financial statements, tax returns, cash flow, collateral, and industry trends to assess creditworthiness.
• Prepare and present credit recommendations that meet PrimeSouth Bank's underwriting standards and regulatory requirements.
• Ensure timely loan closings and ongoing portfolio management.
• Obtain compensation deposit balances with all loan relationships.

Portfolio Management

• Conduct annual relationship reviews and monitor borrower financial performance.
• Identify emerging credit risks and proactively recommend appropriate actions.
• Maintain accurate risk ratings and ensure compliance with loan policy.
• Work with Credit Administration to resolve problem credits when necessary.

  Credit & Risk Management

• Maintain a thorough understanding of commercial lending policies and regulatory requirements.
• Ensure all loan documentation complies with bank policy and applicable regulations.
• Balance growth objectives with prudent risk management practices.
• Participate in loan committee presentations when appropriate.

Community Leadership

• Represent PrimeSouth Bank through active participation in civic organizations, business associations, and community events.
• Promote the bank's reputation as a trusted community financial institution.
• Develop referral networks with CPAs, attorneys, commercial real estate professionals, and other business advisors.

Qualifications:

Required or Preferred

• Bachelor's degree in Business, Finance, Accounting, or related field (or equivalent experience).
• Minimum of 10 years of commercial banking or commercial lending experience.
• Demonstrated success in business development and portfolio growth.
• Strong knowledge of commercial credit analysis and financial statement interpretation.
• Experience structuring complex commercial loan transactions.
• Excellent interpersonal, negotiation, presentation, and communication skills.
• Ability to independently develop new business opportunities; majority of business are self-sourced.

Knowledge, Skills & Abilities

• Strong commercial underwriting and credit analysis skills.
• Formal Credit Training is preferred.
• Proven consultative sales and relationship management abilities.
• Excellent analytical and problem-solving skills.
• Ability to prioritize multiple responsibilities while maintaining attention to detail.
• Strong understanding of banking regulations and compliance requirements.
• High level of professionalism, integrity, and sound judgment.
• Proficiency with Microsoft Office and commercial lending systems.

PrimeSouth Bank is an equal opportunity employer committed to assembling a diverse, broadly trained staff. Women, minorities, people with disabilities, and veterans are strongly encouraged to apply.