Commercial Banker

Are you a natural connector with a passion for sales and a drive to build something from the ground up? We're looking for a Commercial Banker who thrives on creating relationships, spotting opportunities, and making things happen. This role is perfect for someone who’s hungry, self-motivated, and excited to grow their own book of business from scratch—primarily through proactive outreach. If you love meeting people, enjoy the thrill of the sale, and want to be part of building something new, this could be your next big move.

The Commercial Banker is responsible for developing and managing a loan portfolio with total commercial assets of at least $25MM. This position will work closely with the financial institution’s broader lending and credit teams, compliance team, and operations. The successful candidate must possess strong communication and business development skills, as well as a passion for proactive sales. 

• Identifies and establishes relationships with new lending clients while building and managing the associated loan portfolio
• Devotes a significant amount of time to new business development
• Analyzes potential loan markets to find opportunities to promote loans and financial services.
• Interviews clients and collects and analyzes financial and related data to determine the general credit-worthiness of the prospects and merits of the specific loan requests.
• Analyzes, establishes and negotiates the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral payments.
• After evaluating the creditworthiness of a particular lending opportunity, makes decisions on loans and terms within established lending limits, or makes recommendations to a supervisor and/or the loan approval committee.  
• Counsels applicants on loan repayments policies and restrictions.
• Monitors loan status, including repayment activities, and takes action to collect from past due accounts when necessary.
• May provide leadership and direction for other commercial bankers, with responsibility for financial, loan, and deposit performance, as well as growth, risk control, and profit performance.
• Develops materials for and makes loan presentations to the Loan Officers Committee and the Director’s Loan Committee, as required.
• Participates in community events and activities to increase the bank's visibility and to uncover new business opportunities.
• Develops and executes special projects as required.
• Performs other related duties as assigned.

• Bachelor’s Degree in Finance, Business, related field or equivalent experience
• 7-10 years of related experience/exposure within the banking industry
• Demonstrates aptitude for mathematical and/or financial transactions
• Demonstrates experience developing business and prospecting
• Demonstrates strong value selling and negotiations skills
• Demonstrates excellent relationship building capabilities
• Demonstrates ability to execute day to day work under limited supervision
• Demonstrates strong customer service skills (customer-oriented)
• Demonstrates ability to thrive in a fast-paced environment and multi-task daily job duties
• Demonstrates ability to make fact-based/data driven decisions in stressful situations
• Demonstrates ability to address complex job related/technical issues and problems
• Demonstrates strong written and verbal communication skills
• Demonstrates strong team collaboration/team work skills, with ability to work in diverse teams and build/maintain positive working relationships
• Demonstrates ability to interact efficiently with banking software, as well as utilize common office applications including Word, Excel, Outlook, and related applications; willingness to learn new technologies
• Demonstrates ability to work with a significant amount of detailed information in an accurate, timely and confidential manner

Work Environment:  This position typically works in a professional office setting. The position requires the ability to sit for extended periods, use computer equipment, and communicate effectively with colleagues and clients.

FBTC Benefits and Perks: 

• Comprehensive, value-added career opportunities
• Focus on career development, broad exposures, and learning new things daily
• Opportunities to help others and make a difference in the community
• Opportunities to participate in special interest groups, such as Young Professionals, or one of our Employee Resource Groups
• Competitive full benefits package including medical insurance, HSA with investment options, dental & vision insurance, life insurance, 401K with match, and profit sharing
• Vacation and PTO time reflective of your experience
• Volunteering time off of 12 hours per year
• Hybrid work schedule in alignment with our e-commuting policy for specific positions
• Access to a library over 6,000 personal and professional development on-line courses, hosted by Udemy Business
• Participation in our company-wide employee wellness incentive program, and the ability to earn a discount on your next year's premiums

The salary range provided in this job posting represents what the company reasonably expects to pay for the position based on the minimum qualification requirements included at the time of posting. Actual compensation may vary based on factors including, but not limited to, individual experience, education, and skill level.

First Bankers Trust Company is an equal opportunity employer and supports diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position.