At First Fidelity Bank, we are looking for talented, enthusiastic team members with a passion for service excellence. Our employees are critical to our overall success. We invest in our employees by providing excellent training and development, as well as advancement opportunities. We offer our employees a family environment, great benefits, competitive pay and paid time off for work/life balance. We are dedicated to giving back to the communities we serve, and we encourage our employees to participate in charitable giving and volunteer opportunities. One of our Core Values is to provide a caring place to work where people truly enjoy coming to work each day. Colleagues of First Fidelity Bank take pride in working here, make lasting friendships and have fun!
SUMMARY
The Senior Commercial Lender is responsible for the acquisition, retention, evaluation, processing and servicing of the largest, most complex commercial business loans in the bank’s loan portfolio. Utilizes the bank’s available assets to maximize generation of revenues, profits, deposits and referral opportunities while mitigating risk. Must represent the Bank with pride while developing a strong market presence.
PRIMARY DUTIES/RESPONSIBILITIES:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
- Generates new commercial loans according to loan policy guidelines, the bank’s risk tolerance and regulatory
guidelines.
- Takes responsibility for implementation, execution, and achievement of sales team goals. Sets a leadership
example by taking ownership and exceeding personal goals.
- Conducts 5-10 client and/or prospect visits per week.
- Builds knowledge of all clients and prospects by compiling an in-depth profile of commercial business owners
and other principals. Ensures client’s depository, cash management and investment needs are identified and
met.
- Reviews and analyzes commercial client financial documents to determine viability of future business and
relationship expansion opportunities.
- Advises clients and recommends various loan products and services as well as discusses qualification
requirements for each option.
- Provides a superior level of customer service while actively managing commercial banking relationships.
Responds and resolves client inquiries, identifies new opportunities and maintains understanding of client’s
complete financial objectives.
- While working within established credit guidelines, exercises appropriate discretion in analyzing merits of
specific credit and loan prospect requests.
- Develops information and makes loan presentations to appropriate loan committees, when required.
- Establishes and negotiates terms under which credit will be extended or denied.
- Monitors loan repayment activities and takes necessary action to collect on delinquent accounts.
- Proactively solicits new commercial business relationships through the cultivation of key referral sources.
- Participate in community affairs and public relations initiatives aimed at improving the bank’s visibility and
enhancing new business opportunities.
- Conducts regular sales meetings with commercial lending team and retail members. Coordinates client
development meetings in cooperation with market-specific branch office staff.
- Maintains thorough knowledge of new and current regulations.
- Makes recommendations for personnel regarding employment, training, performance rating, salary changes,
promotions, transfers, terminations, career enhancements and staffing. This includes actively participating in
the recruitment and retention of team members.
- Regular and reliable attendance is an essential function of the job.
