Commercial Banker

Why Broadway Bank:

We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.

Position Overview:

The Commercial Banker II is responsible for developing and acquiring new, profitable relationships while maintaining and expanding existing ones. This role plays a critical part in evaluating, negotiating, and monitoring credit opportunities to maximize the bank''s earnings. Utilizing strategic business development tactics, including Business Development by Design, CRM, and scorecards, the Commercial Banker II drives individual activities and achieves production goals. Reporting to the Commercial Banking Manager or Commercial Banking Team Lead, this role also serves as a key representative of Broadway Bank within the community, enhancing the bank''s image as a stable, profitable, and innovative financial institution.

The focus is on engaging top-tier clients with high-profit potential, specifically targeting business clients with revenues exceeding $1 million and borrowing needs over $500 million. A deep understanding of the bank's credit policy and financial statement analysis, coupled with strong financial and business acumen, allows the Commercial Banker II to deliver sound, comprehensive solutions to clients and centers of influence.

Essential Functions

• Drive significant revenue and profit growth within the Commercial Banking line of business by acquiring new relationships and expanding existing ones through loans, deposits, treasury services, and other approved bank products.

• Ensure adherence to all lending policies, procedures, and applicable laws, maintaining efficient and effective commercial loan operations.

• Cultivate new loan relationships through Business Development by Design & CRM, including client calls, visits, and active community involvement. Refer prospects to appropriate lines of business such as Private Banking, Wealth Management, and Treasury Management.

• Conduct comprehensive analysis, approval, or referral of commercial loans by:

• Interviewing applicants to gather financial and credit information.

• Ensuring thorough analysis of financial, industry, and management data.

• Structuring credit terms according to bank lending policies.

• Preparing, presenting, and recommending loan requests within the established credit approval process.

• Overseeing the preparation and review of proper loan documentation.

• Maintain and deepen existing customer relationships by:

• Conducting periodic client meetings to identify new banking needs and assess financial trends.

• Cross-selling new and existing bank products and services.

• Evaluating and structuring credit requests in line with lending policies.

• Managing overdrafts, past due payments, collateral, and credit exceptions.

• Actively participate in high-profile community organizations and represent the bank in various marketing programs and community projects.

• Attend Senior Officers'' Loan Committee Meetings as a non-voting member and other necessary meetings, including the Director's Loan Committee.

• Engage in the management and monitoring of nonperforming loans to mitigate potential bank losses.

• Serve as the relationship manager, responsible for:

• Establishing and maintaining primary relationships with key clients.

• Proactively providing a full range of financial services with the support of internal partners.

• Building client loyalty and driving revenue growth through strategic relationship management practices.

• Demonstrate leadership and team-building skills, fostering a collaborative environment that supports the bank's goals.

• Commit to ongoing professional development, particularly in the areas of credit analysis, financial services, and client relationship management.

• Assume additional responsibilities as directed by management.

• This position may require travel within the Bank's geographic area.