Sr Business Banking Officer

Job Summary

Primary responsibilities include active business development, origination of business loans, deposits, and treasury management products, ongoing proactive portfolio management, and relationship development.  This position will be responsible for mentoring other Business Banking Officers and Business Banking Branch team members.  Analyzes the prospective client’s financial statements, counsel’s client on credit record or other concerns, and assists in determining initial qualifications for bank products.

Key Responsibilities / Essential Functions


* Actively initiates business contacts, leads, and referrals to develop relationships and promote bank products and services.


* Actively engages and interacts with branch partners to educate branch staff on identifying needs and helping to make referrals.


* Counsels customers on business financing needs, and process and completes detailed review of loan application and other business services.


* Analyzes customer financial status, credit, and property evaluations to determine loan feasibility.


* Develops and maintains loan and other products related to business banking pipeline.


* Teams with credit partners to facilitate review and processing of loans.


* Responds timely to customer inquiries concerning active loans, bank loan offerings, and other related business.


* Manages loan portfolio, and ensures appropriate process is followed on delinquent accounts.


* Stays current with and works within the commercial lending underwriting guidelines. 

Job Requirements

Education:


* High school diploma or equivalent required.

Required:


* 7+ years of experience as a business relationship manager with demonstrated record.


* Must be bondable, and valid driver’s license.


* Demonstrated knowledge of banking policies, procedures, and lending practices, as well as credit analysis functions and related requirements and procedures.


* Thorough knowledge of all bank business lending and deposit products.


* Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.


* Competent computer skills utilizing office and banking applications.


* Outstanding sales ability and service aptitude and has an outgoing nature with excellent skills at building and maintaining relationships.


* Highly developed communication (written and verbal) skills, and excellent presentation skills.


* Ability to resolve customer concerns/issues in a positive way.


* Effective team member with demonstrated collaboration skills.


* Technically savvy, highly efficient in completion of work, and excellent attention to detail.


* Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.


* Proficient in Microsoft Office products.

Preferred:


* Bachelor’s degree in business, finance, o...