At CSB, we are passionate about community banking.  We’re committed to the relationships we build and the communities we serve. Local. And Proud Of It.® is more than our tagline: it’s what drives every interaction with our clients and communities. We offer a full range of banking services designed for businesses, their owners, and individuals looking for a Local relationship and a Local banking partner.

We invite you to learn more about our CSB Story and thank you for you interest in becoming part of our Team. www.coastalstatesbank.com

Position Summary:
The Commercial Banker position is focused on acquiring, growing, and retaining commercial banking clients through focused relationship planning. The role concentrates on C&I and CRE relationships. Key measurements of success are new loan and deposit production, fee income, overall relationship profitability, portfolio management and referrals to other lines of business.

Essential Functions:

1. Maintain a strategic focus on commercial client activity through relational selling as a trusted advisor to assist the client in recognizing opportunities and risks while helping them accomplish their goals through their use of bank products and services.


2. Establishes and negotiates the terms under which commercial credit will be extended including cost, risk, and profitability.


3. Reviews and analyzes complex financial information to determine a borrower’s credit worthiness.


4. Present recommendations to credit risk by demonstrating a thorough understanding of credits presented.


5. Responsible for the profitability of all commercial relationships within the portfolio.


6. Responsible for ultimate portfolio management which may include borrowing base and/or construction draw processes, loan repayment activities, collection of past due accounts, and credit and collateral deficiencies.


7. Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.


8. Actively cross sell other bank products to include deposits products and treasury management services to build profitable client relationships.


9. Remain active in the community through membership in business organizations, community events and/or non-profit organizations where one can be in a position to advance the reputation and brand of the Bank.


10. Ability to meet individual goals and contribute in a team-oriented environment to ensure departmental and Bank wide goals are met. Sets and achieves challenging goals without direct supervision and contributes to a positive team spirit.

Critical Success Factors:

• Self-Motivated and Team Player


• Responsiveness 


• Detail-Oriented with Ability to Multi-Task


• Strong Ethics


• Well-developed Interpersonal and Negotiating Skills


• Excellent Written and Oral Communication Skills

Preferred Education/Experience/Software:

Bachelor’s Degree in business, finance, or accounting or 5-10 years of experience of relevant job experience as a Commercial Banker. Experience in the metro Atlanta market required for better understanding of the banking environment and potential customer base is preferred.  Highly developed accounting, finance, credit, and sales skills.  Proven track record of prospecting new business and enhancing existing relationships.  Proven sales skills and experience.  The ability to cross sell bank products with an emphasis on relationship banking is required.  Knowledgeable in a wide range of Microsoft Office software applications.  Proficient with Fiserv, nCino and other bank programs.   

Training:

Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.

BSA Compliance:  

Complies as required with relevant Bank policies and procedures related to BSA, including capture of required CIP, Customer Due Diligence, and Beneficial Ownership data as well as informing management and compliance staff of potential suspicious activities or elevated risk related to specific clients.    

Additional Requirements:  

The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies.  

Work Environment/Physical Demands:

Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment.  The team member is frequently required to communicate and perceive.   The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.