Business Banker

ESSENTIAL DUTIES AND RESPONSIBILITIES

Prospect, develop and manage banking relationships by forming in-person evaluation of the customer and assessing financial information and compatibility of banking needs within bank's policies and philosophies.

Negotiate credit items including overall terms, repayment methods, and collateral requirements.

Conduct regular annual reviews of commercial relationships in order to monitor credit quality and overall structuring. Prepare watch list for identified credits.

Prepare documentation and make presentations to the Senior Loan Committee where applicable, in accordance with Bank loan policy, then implement committee decisions regarding each loan request.

Monitor loan repayment activity on a regular basis and take necessary action to collect past due accounts. Collect technical exceptions, obtain financial statements and borrowing base if required.

Keep current on regulations and legislation affecting lending.

Proactively seek out and identify opportunities for cross-selling other Bank products and services, including, but not limited to depository and cash management.

Provide customers with routine platform services, such as arranging for letters of credit, treasury management services, wire transfers, night deposits, approving checks for cashing, and/or helping with other customer financial/banking needs.

POSITION QUALIFICATIONS

Required Education:

Four-year degree in business, economics or finance, or comparable combination of education, training, and work experience.

Required Work Experience:

4 or more years of lending experience.

Experience in commercial industrial, commercial real estate, and SBA lending preferred.

Portfolio management experience preferred.

Knowledge of banking deposit products and services.

Technology Skills:

Experience with computer operating systems (Windows). MS Office software experience preferred. Experience with bank or financial analysis software preferred.

Required Skills or traits for the position:

Well-organized, self-directed, team-player.

Excellent verbal and written communication skills.

Excellent relationship-building skills and strong, well-developed interpersonal skills in order to maximize business contacts and develop a working relationship with existing and potential customers.

A high level of analytical skills to conduct loan analysis and monitor the loan’s progress in consideration of the market trends, economic conditions, and other pertinent factors.

Proven prospecting success building a client base.

Ability to identify opportunities for product and service cross-sales.

Specialized Training/Certifications:

Graduate School of Banking and/or Commercial Lending School graduate preferred.

POSITION COMPETENCIES

Described below are the primary competencies associated with this position.

Approachability

Puts others at ease by listening, allowing adequate time for interactions, and giving undivided attention. Shows receptivity to message being delivered.

Customer Focus

Builds effective relationships, identifies customer expectations, sees issues from their point of view; offers practical recommendations.

Closing

Moves others to a decision; asks for action.

Consulting

Gives expert advice; is a knowledgeable resource. Works collaboratively to develop possible solutions, analyze information, and/or solve problems.

Results-Oriented

Drives behavior to emphasize achievement. Self-directed toward accomplishment. Is action-oriented. Likes challenge. Pursues opportunities. Consistently high achieving.

• 4 year(s): Proven prospecting and sales success.
• 2 year(s): Portfolio management experience preferred.
• 2 year(s): Commercial industrial, commercial real estate, and SBA lending experience preferred.
• 4 year(s): Lending experience.

• Bachelors or better in Finance or related field

• Selling
• Oral Communication
• MS Office
• Written Communication
• Exceptional Customer Service Skills

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)