BUSINESS BANKER (AL)

MERCHANTS & MARINE BANK•Mobile, AL

About The Position

Merchants and Marine Bank has been proudly serving the communities along the Gulf Coast since 1899. If you are highly motivated, enthusiastic and thrives in a team environment, we have an opportunity that may be right for you. Why Work for Us Medical, Vision and Dental Insurance 401-K Plan 11 Paid Holidays Personal Paid Time Off Term Life, AD&D and Disability Insurance Student Loan and Tuition Assistance Fitness Center Reimbursement Job Purpose Develop and manage both consumer and commercial loans in accordance with lending policy. Develop new business opportunities through calls, visits and active involvement in community activities. Responsible for retention and expanding upon current customer relationships and cross-selling services in order to meet the yearly goals set by the bank.

Requirements

Minimum of bachelors degree in Banking, Finance, Business or related field.
Minimum of 7 years of experience in bank lending, with proven portfolio.
Must have working knowledge of banking and compliance laws, regulations, financial analysis, credit practices, consumer and commercial lending.
Good communication and public relations skills.
Valid drivers license and insurance required.
Computer knowledge in lending systems and Microsoft Office Suite.

Responsibilities

Solicits new and prospective loan and deposit relationships for the Bank by making calls and visit.
Develops and executes a business development plan to achieve established goals and objectives.
Interview commercial and other loan applicants, collect and review financial and related data to determine the general credit worthiness of the prospect and the specific merits of the loan request.
Implements a disciplined contact schedule to promote client satisfaction, retain existing clients, and attract long term profitable customer relationship and become the clients trusted financial partner through needs-based solutions.
Approve creditworthy loans within the Banks loan policy and your individual lending limit.
Make credit decisions based on repayment ability, collateral adequacy, acceptable credit history of applicant and ensures creditworthiness in accordance with loan policy.
Monitor loan repayment activities and take necessary action to collect from past due accounts.
Maintain exceptions in portfolio at acceptable levels: including past dues, technical exceptions, criticized loans and loan losses.
Responsible for maintaining a sound knowledge of and comply with compliance laws, regulations, and loan policy.
Responsible for achieving goals established by Senior management.
Perform a variety of other duties in order to enhance the profitability of the bank.