Job: Commercial Banking Officer

Please only apply to this position if you meet the minimum qualifications listed below.

Responsible for sourcing, acquiring and retaining profitable small business and middle-market commercial banking relationships including loans, deposits and ancillary products and services through active outside business development and sales efforts; participates in CRA compliance; and completes special assignments for the commercial department. Performs all tasks in compliance with established Bank policies and procedures.

Reports to: Mark Martinez, Regional President and Senior Lending Officer

Department: Commercial Lending

Primary Responsibilities:

Profiles and analyzes commercial prospects’ financial needs and proposes customized packages of financial products and services.

Actively generates profitable commercial depository and cash management relationships

Originates and closes commercial, commercial real estate and C&I loans. Meets with the applicant; compiles documentation, financial information and supporting information; analyzes financial data to assess the credit worthiness of applicants; structures loan terms and proposed pricing consistent with the risk profile of the borrower; and makes sound recommendations to the approving authority within the bank.

Effectively manages the assigned loan portfolio in order to preserve its overall asset quality, safety and soundness. Ensures ongoing financial reporting and ongoing performance and covenant requirements are met to ensure the high quality of the loan portfolio. Promptly and accurately identifies positive or negative trends relative to the financial capacity and credit worthiness of the borrowers and makes timely and appropriate loan grading recommendations to the Senior Lending Officer. Proactively manages the loan portfolio to ensure timely collection of delinquent accounts.

Provides a high level of customer service to commercial banking clients, responding promptly to their needs and providing consultative advice.

Participates in Community Reinvestment activities and participates in community and civic organizations at the direction of the Senior Lender; research and identify community credit needs; target and meet needs through product development and promotion.

Any other duties and responsibilities as well as special projects that may be assigned by management.

Minimum Qualifications:

Bachelor’s Degree in a business discipline

Minimum acceptable level of formal or professional educational achievement in accounting

Formal credit training with proven high level of financial analytical skills

Minimum five years of commercial lending experience

Minimum two years of Denver market experience

Excellent business development skills

Effective interpersonal, written and verbal communication skills

Ability to work in a fast-paced, high production environment

Preferred Skills:

Prior experience with Buker’s financial analytical software