Hickory Point Bank
  • 14-Jul-2021 to Until Filled (CST)
  • Commercial
  • IL, USA
  • Full Time

Commercial Banking Officer Development Program

We're developing the next generation of leaders

Hickory Point Bank's leadership program is designed to provide a challenging, fast-paced, real world experience offering exposure to all aspects of the commercial banking business. Participants will have access to members of the Bank's executive leadership team, as well as leaders within their communities to help develop their skills and position them for successful careers in banking.

Note: This full-time program begins in January 2022

The Commercial Banking Officer Development Program is a comprehensive, multi-year experience where participants will learn financial statement analysis, credit underwriting, industry research, loan documentation, relationship development, project management, and leadership skills. But more importantly, this Program will provide all of the necessary tools and experiences to launch your successful career in commercial banking.

Your Career Begins Here:

Have you ever thought about running your own business? Are you curious about what separates successful companies from those that struggle? Do you want to understand how entrepreneurs generate and invest their wealth?

A commercial banker essentially runs their own business inside of the bank operating with significant autonomy and authority with access to a large, experienced team and deep financial resources. A commercial banker is a highly trusted advisor to their clients, offering sophisticated financial solutions to help business owners and executives achieve their financial goals. Commercial bankers are leaders in their communities, providing capital to businesses to fund operations, purchase equipment, hire staff, and take advantage of new growth opportunities. A successful commercial banker makes a difference in the lives of his or her customers, their families, and employees.

If you aspire to run a successful business and you enjoy working in a challenging, fast-paced environment, a career in commercial banking may be right for you. Hickory Point Bank's Commercial Banking Officer Development Program provides a comprehensive framework to effectively prepare you for your career as a commercial banker.

Credit Analyst

The key to being a highly trusted advisor for our clients is understanding their businesses, and your time as a Credit Analyst will provide you with the tools necessary to excel as a relationship manager. Beginning as a Credit Analyst, participants will learn the following:

  • The foundation of the commercial banking business
  • Financial analysis and sound credit underwriting
  • The skills necessary to make good credit decisions and gain the experience to help clients navigate complex financial problems


As an Associate, participants will continue to use the analytical skills they developed while doing the following:

  • Learning the fundamentals of loan documentation and credit administration
  • Working closely with experienced bankers, similar to an apprenticeship, to provide excellent service to the bank's commercial banking clients and to assist in the onboarding of new customer relationships
  • Learning all aspects of the loan origination process from constructing proposals and negotiating terms, to executing final documents and funding a new transaction
  • Gaining experience with the Bank's deposit, treasury management, and other services for business clientele

Commercial Banking Officer

The Commercial Banking Officer is the primary contact person for his or her clients' banking needs and has latitude to do so in a way that suits his or her style and personality essentially running his or her own business within the bank's business. As a Commercial Banking Officer, participants will be prepared for the following responsibilities:

  • Managing a portfolio of existing customer relationships
  • Meeting regularly with clients in their places of business, listening to the customers' needs, exploring new business opportunities, and crafting value-added credit and treasury management solutions
  • Being active in the community and building relationships with other business professionals such as accountants, attorneys, engineers, and architects
  • Growing a book of business over time

Training and Development Process:

To ensure program participants have the necessary tools to build their skillsets and progress efficiently through the program, the Commercial Banking Officer Development Program utilizes a combination of on the job training, mentoring, continuous feedback, and classroom-style education including the following:

  • Participate in several specialized orientation activities related to topics including:
    • The Bank's organization, history and values
    • Service standards
    • Policies and regulatory overview
    • Performance and development planning
  • Network with assigned mentors, other managers and leaders within their community
  • Participate in classroom programs designed to complement on-the-job training. Classroom programs will aid in the learning and development of skills relating to:
    • Commercial banking business
    • Project management
    • Interpersonal relations
    • Communication
    • Change management
    • Cultural values
    • Persuasion
    • Teamwork
    • Other business skills
  • Participate in various program, developmental, and skill building activities; fulfill miscellaneous program requirements
  • Develop "value-based" proposals for presentation to senior leadership
  • Participate in Bank sponsored projects and community-related activities, which may include the employee-giving campaigns and other
  • Be responsible for compliance with all procedures, policies, and regulatory compliance requirements of the roles
  • Perform all other miscellaneous responsibilities and duties as assigned

Job Qualifications

  • Successful record of academic achievement and on-campus involvement
  • Excellent oral and written communication and relationship building skills
  • Leadership capabilities
  • Strong presentation and facilitation skills
  • Demonstrated self- motivation
  • Demonstrated professionalism
  • Economic/industry knowledge
  • Entrepreneurial spirit
  • Analytical skills and critical thinking
  • Ability to sell/influence and thrive in a sales environment
  • Customer-focused orientation to providing services
  • Minimum GPA of 3.00 required (3.50+ preferred)

Physical Demands, Working Conditions and Hours:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job, as needed and required, which may include the ability to lift 25 pounds.

While performing the duties of this job, the employee is regularly required to see, talk or hear. The employee is frequently required to sit for extended periods of time.

Must be available to work when banking center is open, including after-hour events, as scheduled. A normal work week is 40-45 hours.

Who Should Apply

  • Students currently pursuing a Bachelor's degree, with a business major (economics, finance or accounting preferred) with a graduation date of Summer 2021

Master's degree candidates are welcome to apply but must have one year or less of prior professional experience.

Immigration sponsorship is not available for this position. To qualify, applicants must be legally authorized to work in the United States and should not require, now or in the future, sponsorship for employment visa status.

Equal Opportunity Employer: Disability/Veteran

Hickory Point Bank
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