Commercial Banker

First Bankers Trust Company is offering a fast-paced job opportunity for interested candidates! Apply today to secure a fulfilling career along with these additional perks:

• Comprehensive, value-added career opportunities
• Focus on career development, broad exposures, and learning new things daily
• Opportunities to help others and make a difference in the community
• Opportunities to participate in special interest groups, such as Women's Leadership or Young Professionals, or one of our Employee Resource Groups
• Competitive full benefits package including HSA with investment options, 401K with match, and profit sharing
• Vacation and PTO time reflective of your experience
• Volunteering time off of 12 hours per year
• Hybrid work schedule in alignment with our e-commuting policy
• Access to a library over 6,000 personal and professional development on-line courses, hosted by Udemy Business
• Participation in our company-wide employee wellness incentive program, and the ability to earn a discount on your next year's premiums

The Commercial Banker is responsible for developing and managing a loan portfolio with total commercial assets of $25MM to $50MM that meets established lending requirements and provides maximum profitability to the bank with minimum risk. This position will work closely with the financial institution's broader lending and credit teams, compliance team, and operations. This position may also provider leadership and direction to subordinate commercial lenders. The successful candidate must possess strong communication and leadership skills and a propensity for building and maintaining strong relationships with clients.

• Identifies and establishes relationships with new lending clients while building and managing the associated loan portfolio
• Devotes a significant amount of time to new business development
• Analyzes potential loan markets to find opportunities to promote loans and financial services.
• Interviews clients and collects and analyzes financial and related data to determine the general credit-worthiness of the prospects and merits of the specific loan requests.
• Analyzes, establishes and negotiates the terms under which credit will be extended, including the costs, repayment method and schedule, and collateral payments.
• After evaluating the creditworthiness of a particular lending opportunity, makes decisions on loans and terms within established lending limits, or makes recommendations to a supervisor and/or the loan approval committee.
• Counsels applicants on loan repayments policies and restrictions.
• Monitors loan status, including repayment activities, and takes action to collect from past due accounts when necessary.
• May provide leadership and direction for other commercial bankers, with responsibility for financial, loan, and deposit performance, as well as growth, risk control, and profit performance.
• Develops materials for and makes loan presentations to the Loan Officers Committee and the Director's Loan Committee, as required.
• Participates in community events and activities to increase the bank's visibility and to uncover new business opportunities.
• Develops and executes special projects as required.
• Performs other related duties as assigned.

• Bachelor's Degree in Finance, Business, related field or equivalent experience
• 7-10 years of related experience/exposure within the banking industry
• Demonstrates aptitude for mathematical and/or financial transactions
• Demonstrates experience developing business and prospecting
• Demonstrates strong value selling and negotiations skills
• Demonstrates excellent relationship building capabilities
• Demonstrates ability to execute day to day work under limited supervision
• Demonstrates strong customer service skills (customer-oriented)
• Demonstrates ability to thrive in a fast-paced environment and multi-task daily job duties
• Demonstrates ability to make fact-based/data driven decisions in stressful situations
• Demonstrates ability to address complex job related/technical issues and problems
• Demonstrates strong written and verbal communication skills
• Demonstrates strong team collaboration/team work skills, with ability to work in diverse teams and build/maintain positive working relationships
• Demonstrates ability to interact efficiently with banking software, as well as utilize common office applications including Word, Excel, Outlook, and related applications; willingness to learn new technologies
• Demonstrates ability to work with a significant amount of detailed information in an accurate, timely and confidential manner

Our values reflect our culture: Everyone is Valued, Do The Right Thing, Friendly Family, & Fun, Dream Big/Act Small, Accountability, Innovation

When you choose to become a part of the team at First Bankers, you are getting more than a job. What comes along with the daily work is making a difference in other people's lives, working closely with teammates who are people you enjoy, contributing to a bigger picture, balancing work and home commitments, and developing yourself and your career. If that sounds like a good deal to you, apply for a position today.

First Bankers Trust Company is an equal opportunity employer and supports diversity in the workplace. Qualified applications will receive consideration for employment without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Our HR team will reach out to the applicants who meet the qualifications and are most closely aligned with the requirements of the position.