Job Description

Under limited supervision, uses specialized knowledge and skills obtained through education and experience to develop and service a variety of routine commercial loans. Works independently on difficult assignments that are broad in nature requiring originality and ingenuity with some latitude for unreviewed actions or decisions. Provides solutions to complex problems. Results are evaluated at agreed upon milestones for effectives in achieving specified results. Extensive contact with external customers is required to develop, sell or service products.

Essential Duties and Responsibilities:

• May participate with other commercial lenders on larger, more complex loans.
• Interview loan applicants.
• Obtain, interpret and evaluate financial information to determine credit worthiness.
• Develop and negotiate terms and services of commercial loans and accounts.
• Make decisions on loans within limits or make recommendations to management.
• Create a pipeline of secure, profitable loans, deposits and specialty commercial financial services.
• Maintain a customer and prospect database.
• Develop and maintain a balanced and sound loan portfolio in line with established policies, strategies and procedures.
• Structure and price loans.
• Negotiate with customers and obtain necessary approvals.
• Monitor existing loans to ensure compliance with the terms of the loan and take corrective action on variances.
• Perform other duties and responsibilities as assigned.

Knowledge of:

• Concepts, practices and procedures of commercial lending.
• Loan portfolios, capital lines, equipment term loans and commercial real estate and Small Business Administration (SBA) loans.
• Established organizational policies, strategies and procedures for commercial lending.
• Principles of banking and finance.
• Financial markets and products.

Skill in:

• Analyzing financial information and determining credit worthiness.
• Negotiating commercial loan terms.
• Maintaining a customer and prospect database.
• Developing and maintaining a loan portfolio.
• Structuring and pricing commercial loans.
• Verifying customer compliance with terms.
• Operating standard office equipment and using required software applications.

Ability to:

• Attend to detail while maintaining a big picture orientation.
• Organize and prioritize multiple tasks and meet deadlines.
• Communicate effectively, both orally and in writing.
• Work independently as well as collaboratively within a team environment.
• Provide a high level of customer service.
• Establish and maintain effective working relationships with external customers.
• Maintain currency in commercial lending policies, practices and procedures.

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Finance

General Experience - 3 to 6 years

Travel

Less than 25%

Workstyle

Resident

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

#LI-AT1