COMMERCIAL BANKER SKILLS, EXPERIENCE, AND JOB REQUIREMENTS
Published: July 29, 2024 - The Commercial Banker excels in negotiating with clients, credit underwriting, and documentation, underpinned by a proven sales process in a financial institution. Possesses excellent communication, analytical, and organizational skills, complemented by a strong ability to work both independently and as part of a team. Highly self-motivated and committed to superior customer service, the candidate effectively manages multiple priorities and offers diverse solutions, ensuring compliance with Equal Opportunity Employment standards.
Essential Hard and Soft Skills for a Standout Commercial Banker Resume
- Financial Analysis
- Credit Assessment
- Loan Structuring
- Risk Management
- Regulatory Compliance
- Cash Flow Modeling
- Portfolio Management
- Business Valuation
- Financial Reporting
- Market Research
- Communication
- Problem Solving
- Negotiation
- Client Relationship Management
- Leadership
- Strategic Thinking
- Adaptability
- Attention to Detail
- Teamwork
- Decision Making
Summary of Commercial Banker Knowledge and Qualifications on Resume
1. BA in Finance with 2 years of Experience
- Experience with commercial lending and managing a substantial loan portfolio.
- Possess and maintain eligibility for NMLS registration.
- A proven track record of sound credit underwriting skills.
- Extensive working knowledge of banking regulations.
- Excellent communication and interpersonal skills.
- Proficiency with Microsoft Excel and Word.
- Experience with banking/analysis and/or training
- Demonstrated sales and business development skills
- Knowledge of Formal Credit Training
2. BA in Business Administration with 3 years of Experience
- Formal Credit Training with strong credit skills, and the capacity to evaluate strengths/weaknesses of a diverse loan portfolio.
- Prior C& I and CRE Lending/credit management experience with a top-tier private bank.
- Comprehensive commercial credit experience in C&I as well as real estate.
- Strong written and verbal communication skills.
- Strong intellect, intellectual curiosity, and motivation.
- Advanced level Excel and PowerPoint skills.
- Ability to work independently and under critical time constraints.
- Proven track record of consultative “value added” selling skills.
- Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.
- Computer literate; fluency in Microsoft Office programs, Excel analysis
- Ability to establish and maintain effective work relationships and contacts with professional and business organizations and develop teamwork with co-workers on other related units.
- Strong problem-solving, negotiation & follow-up skills
3. BA in Accounting with 4 years of Experience
- Strong, proven ability to effectively negotiate with clients and potential clients.
- Credit underwriting and documentation knowledge and experience.
- Excellent verbal and oral communication skills.
- Strong analytical skills and attention to detail.
- Strong organizational skills.
- Demonstrated ability to work independently and in a team.
- Ability to identify and recommend varying solutions.
- Proven ability to work with multiple priorities.
- Proven superior customer service skills.
- Functionally competent with PC’s and related software.
- Highly self-motivated with strong interpersonal skills.
- Equal Opportunity Employer M\F\D\V
- Commercial banking experience in a financial institution within a proven sales process
4. BA in Economics with 5 years of Experience
- Ability to uphold the Ameris Bank Mission Statement, Vision Statement and Core Values.
- Ability to expand and retain Commercial and High Net Worth Individual relationships.
- Ability to grow and manage a portfolio of Commercial loans to $60M and beyond whose Margin and Revenue meets or exceeds the bank’s goals.
- Ability to grow and service a portfolio of deposit customers to $30M and beyond with emphasis on low cost deposits.
- Ability to negotiate loan structures that maximize the bank’s credit quality and profitability.
- Experience in analyzing customer-provided financial information in order to appropriately underwrite, present credit structures for committee approval and perform ongoing credit grade determinations within Loan Policy Guidelines.
- Experience in coordinating portfolio management functions of a team of Credit Underwriters, Credit Analysts and Document Processors.
- Ability to maintain an existing portfolio of loans that are compliant with all Banking Regulations as well as oversee internal quality measurements such as current documentation, customer financial statements and covenants compliance.
- Experience Manage a Commercial Banking Assistant (CBA) whose primary duty is to support the Commercial Banker in Portfolio Management, Customer Service and Sales efforts.
- Ability to Partner with other areas of the bank to uncover sales opportunities among both customers and prospects in the areas of Retail Banking, Treasury, SBA Loans, Municipal Lending, or Retail Secondary Market Mortgages.
- Ability to Identify smaller Business opportunities (outside the prospecting plan of the Commercial Banker) and refer them to Business Bankers and Retail Bank teammates.
- Experience in commercial credit with an established portfolio of Commercial customers.
- Demonstrated track record complying with all commercial bank laws, bank products, services, policies and procedures as well as cost accounting, financial and statistical analysis, and principles of commercial and consumer credit.