Business Banker
Business Banker
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Job Description
Overview
The Business Banker coordinates at a senior level with the sales team to establish build and sustain business banking relationships with companies generally generating less than $20 million in gross sales. Responsible for driving success and growth within their assigned sales territory. As the primary relationship manager for the Bank they oversee client interactions and are actively involved in the credit process including Credit Underwriting Portfolio Management and Review Risk/Credit grading and risk identification and management. Portfolio management responsibilities encompass servicing covenant compliance and collateral monitoring. The role includes setting high expectations fostering workforce stability by attracting developing and retaining talent and supporting the team through coaching while modeling the banks core values. Additionally the Business Banker plays an active role in their local banking center community and contributes to fulfilling the Banks CRA (Community Reinvestment Act) requirements.
Principal Duties & Responsibilities:
Consistently meets and exceeds individual and/or team sales goals including but not limited to deposits loans and other applicable metrics.
Independently expands existing relationships and solicits new business through client referrals and coldcalling efforts outside of the banking center to align with or exceed the Banks strategic goals.
Independently analyzes credit checks worthiness and conducts preliminarily financial statement analysis against bank risk standards and applicable product requirement to preliminarily determine potential credit worthiness.
Provides leadership to a team of sales professionals ensuring they meet or exceed established sales and revenue targets.
Collaborates closely with the team to generate identify qualify and prioritize new prospects as well as nurture the existing book of business.
Regularly contacts the top 20 loan and deposit clients monthly via phone or in person to maintain relationships and identify crossselling opportunities.
Conducts research on existing clients through various sources to uncover additional crossselling opportunities.
Focuses on increasing core deposits and actively contributes to loan funding.
Develops sales proposals and strategies at an expert level.
Possesses comprehensive knowledge of the market competitors and maintains a strategic outlook for business growth.
Demonstrates expertlevel understanding of all bank products and services.
Establishes expands and maintains referral sources.
Conducts thorough precall planning and prepares worksheets prior to joint client appointments.
Independently assesses and meets clients financial needs by analyzing their financial profiles and relevant documentation such as tax returns credit reports personal financial statements and debt schedules.
Documents the relationship management process.
Guides clients in analyzing financial issues and recommends suitable solutions.
Acts as a client advocate in securing appropriate credit and crossselling products and services.
Evaluates business management industry financial and structural risks and documents assessments in credit approval documents.
Organizes and leads complex sales initiatives including customized proposal generation.
Develops and maintains strong relationships with all partners.
Contributes actively to banking center success through participation in sales campaigns banking center activities and community organizations.
Structures and completes secured and unsecured business loans ensuring compliance with policy and presenting deals to the Risk team.
Participates in all required branch meetings and weekly joint calls or prospecting sessions with Small Business Bankers followed by coaching sessions and completion of required coaching forms.
Adheres to the requirements of the S.A.F.E. Act and follows procedures including notifying Human Resources of any changes in current status.
Qualifications
- 57 years of experience in business banking commercial lending or financial services with a focus on business development and client relationship management.
- 2 years of bank lending experience including credit analysis and evaluating the financial health of business clients to recommend appropriate lending solutions.
Proven ability to meet and exceed sales goals drive direct banking sales credit support and maximize crosssell opportunities to increase relationship profitability.
Exceptional consulting skills; ability to probe listen clarify and present information to advance sales transactions deepen relationships.
Strong analytical skills and the ability to interpret complex financial data and business operations to assess client needs and offer appropriate solutions.
Professional presentation and communication skills effectively engaging with clients and stakeholders at all levels.
Extensive knowledge of credit structuring and processing with credit training preferred.
Highly effective communication and influence skills able to negotiate and build consensus with clients and colleagues.
Superior organizational and time management skills capable of managing multiple priorities while maintaining high standards of performance.
Proven expertise in business development consistently identifying opportunities to grow the client portfolio and expand business relationships.
Proficient in Microsoft Office Suite referral tracking programs and other relevant banking software tools.
Education
- Bachelors Degree in Business Administration or a related field or equivalent work experience required.
Special Instructions to Candidates
- Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
- Please view Equal Employment Opportunity Posters provided by OFCCPhere.
- 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 contractors legal duty to furnish information. 41 CFR 601.35(c)
- Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department ator by email at.
Employment Type
Unclear
