Manage and expand an existing loan portfolio of business banking customers while also assisting bank partners with the development of new relationships. Business banking customers are those that generally have revenues under $10,000,000 and loan needs under $1,000,000. It is expected that the role be proactive in providing financial solutions to both existing and prospective clients. Also responsible for developing sound and profitable business relationships, assessing credit, and exceeding customer needs and expectations while complying with regulatory requirements.
Skills/Requirements
Manage and service business banking relationships by working closely with customers, focusing on relationship retention.
Evaluate pertinent financial information and determine whether a credit is an acceptable risk.
Approve loans within assigned lending authority according to company policies and procedures.
Recommend credits outside lending authority to the next level in accordance with established procedures.
Monitor existing loans for delinquencies as well as conformity to terms and conditions.
Work closely with Branch Managers and lobby staff to cross-sell additional bank products and services.
Actively participate with and assist senior lending officers on larger, more complex credits.
Monitor market conditions and make recommendations to maintain a competitive and profitable product line.
Develop and maintain comprehensive knowledge of all commercial products including loans, cash management, credit cards and deposits to facilitate cross-selling and enhance the client experience.
Analyze financial statements and related information.
Monitor the financial health of borrowers/guarantors and analyze financial statements.
Qualifications:
Must have excellent communication, presentation and tactful interpersonal skills.
Superb people skills to work within a team environment and successfully develop and retain client relationships.
Proven ability to cross-sell other banking products, including loans, deposits and treasury management.
Self-motivated to work independently and take ownership.
Effective time management and organizational skills are required.
Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
Superior analytical and decision making skills based on a thoughtful assessment of risk.
Supervisory Responsibilities:
None
Education and/or Experience:
Bachelor’s degree (B.S.) from a four-year college or university
Three to five years of related experience and training in Commercial and/or Business Banking
Must have demonstrated skills in commercial credit underwriting and business development for small-to-mid-sized companies
Previous experience with managing a loan portfolio required
