R Bank’s foundation is our community, our customers, our employees, our shareholders, and our Bankers, but most importantly we are about the relationships. A Commercial Lender creates sales and growth for the bank by soliciting and servicing prospective customers while producing a variety of commercial loans, generating deposits, as well as building and managing a portfolio of business and corresponding relationships, while seeking new relationships through various business development avenues.
HOW ARE YOU GOING TO HELP?
- Generate and evaluate leads to attain new business relationships, including both deposits and loans.
- Generate commercial loans within guidelines set by bank policy and goals.
- Negotiate credit terms, and prepare credit analysis for approvals.
- Analyze financial information including but not limited to balance sheets, income statements, cash flow statements, and tax returns in order to form opinions of creditworthiness of applicants.
- Manage and service a loan portfolio of generated loans and corresponding relationships, including the monitoring and financial analysis of the portfolio.
- Call and visit target customers to promote and sell bank products and services.
- Must adhere to all legal and bank regulatory requirements.
WHAT YOU BRING
- Bachelor’s Degree
- At least 10 years’ experience in a financial institution and lending
- Familiarity with financial statements, and cash flow analyses
- Strong community leadership experience
- Relationship management skills for key commercial, small business, and personal relationships.
- Familiarity with analyzing / underwriting C&I, CRE, SBA, and asset based transactions
- Highly developed analytical and underwriting expertise
- Sales energy, with sustained record
- Ability to fluently speak, read and write in English
- Strong attention to detail
- Flexible and adaptable; able to work under pressure and handle sensitive information in a confidential manner
- Ability to operate a computer and other standard office machinery
- Ability to pass background investigation and drug screen to the satisfaction of R Bank
WHAT IS IT GOING TO TAKE?
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit. The employee is occasionally required to stand; walk; use hands to handle or feel; reach with hands and arms; climb or balance; stoop, kneel, or crouch. The employee must frequently lift and / or move up to 45 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus.
WHAT ARE THE BENEFITS FOR YOU?
R Bank is committed to the success of our employees. We offer an attractive benefits package including Medical, Dental, Vision, Life, Disability, 401k, EAP, and R Best Foot Forward Program.
You can learn more about R Bank and our services at www.r.bank .
HOW TO JOIN THE TEAM
If you meet all of the minimum qualifications for this position and would like to apply, please upload your updated résumé to R Bank’s website or email your résumé to humanresources@r.bank.
R Bank is subject to Executive Order 11246 and to the Vietnam Era Veterans’ Readjustment Assistance Act of 1974 (VEVRAA). It is the policy of R Bank to provide equal employment opportunity to all qualified applicants for employment without regard to race, color, religion, national origin, sex, age, veteran status, or disability.
