Commercial Banker 3
Company: Hancock Whitney
Posted on: February 13, 2020
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JOB FUNCTION / SUMMARY:
Responsible for the management, retention and expansion of existing
business relationships, the development of new business and the
servicing of a variety of commercial relationships. Grows revenue
as directed by senior management by successfully prospecting for
new business and retaining and expanding existing customer
Manages a portfolio of up to 75 clients with credit outstanding up
Business development activities typically focus on businesses with
sales of $2MM - $25MM that operate in our defined targeted
Functions with levels of individual authority which will be
determined and negotiates with strict adherence to established
guidelines, credit pricing, terms and structure.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Solicits new and prospective loan and deposit relationships for the
Develops and executes a business development plan to achieve
established goals and objectives. Implements a disciplined contact
schedule to promote client satisfaction, retain existing clients,
and attract long term profitable customer relationships and become
the clients trusted financial partner through needs based
Identifies cross-sell opportunities for each assigned relationship.
Markets to assigned clients and prospects a broad range of
Build internal relationships with other departments such as Product
Management, Treasury Management, and Credit Underwriting to enhance
the overall banking relationship ensuring the customer s business
objectives are met.
Provides guidance/assistance to less experienced Commercial Bankers
to develop a thorough understanding of bank products, services,
credit standards, and bank pricing parameters, business development
Partners with the Commercial Underwriter to assess the customer s
credit risk and structure a credit solution that fits the customer
s needs while remaining within acceptable risk guidelines.
Identifies client needs and works with customers to offer
appropriate bank products and services.
Cultivates prospects independently through customer referrals,
networking, and participation in professional organizations, social
contacts and relationships built in the community.
Develops relationships with customers through calling and customer
Routinely monitors loan portfolio s credit quality status to ensure
loans are current and conform to terms, quickly identifies and
manages risks to minimize impact.
Analyzes customer credit status or obtains appropriate central
underwriting approval and related documentation to ensure portfolio
quality and yield are maintained.
Uses automated business development system to manage individual
calling program, schedule appointments, develop customer profiles
or cross-sales opportunities, follow-up with customers and book new
Keeps abreast of industry, competitor, financial market and other
changes that may impact their portfolio or department.
Responsible for assembling financial information and coordinating
the generation of complete loan packages for approval
Provides assistance to Group Managers with strategic planning
projects including budgeting, process improvement, growth and
Performs other duties and special projects as assigned by Senior
Incumbent is required to comply with all applicable federal, state,
and local banking and industry related laws and regulations
including but not limited to the Bank Secrecy Act.
MINIMUM REQUIRED EDUCATION & EXPERIENCE:
Bachelor s Degree, major in Accounting or Finance preferred
Minimum 5-7 years of relationship management experience selling
Extensive knowledge of credit and non-credit products required
Proficient in credit underwriting and prior credit experience
including financial analysis
Knowledge of commercial loan products & lending / compliance
ESSENTIAL MENTAL & PHYSICAL REQUIRMENTS:
Ability to lift/move/carry approximately 30 pounds if required to
perform the essential job functions. If the employee is unable to
lift/move/carry this weight and can be accommodated without causing
the department/division an undue hardship then the employee must be
accommodated; hence omitting lifting/moving/carrying as a physical
This job description is only valid as of the date it was revised.
Please contact the HR Compensation Department to obtain the latest
version. Information contained herein should be treated as
confidential to Hancock Whitney.
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO
ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THE JOB AT ANY
Equal Opportunity/Affirmative Action Employers. All qualified
applicants will receive consideration for employment without regard
to race, color, religious beliefs, national origin, ancestry,
citizenship, sex, gender, sexual orientation, gender identity,
marital status, age, physical or mental disability or history of
disability, genetic information, status as a protected veteran,
disabled veteran, or other protected characteristics as required by
federal, state and local laws.
Keywords: Hancock Whitney, Mobile , Commercial Banker 3, Accounting, Auditing , Mobile, Alabama
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