Business Banker
Primary Responsibilities And Accountabilities
Maintains a portfolio of existing customers and maximizes relationships to build customer satisfaction and confidence in the Bank.
Gathers and oversees compilation of all needed information for loan.
Works in tandem with Credit Administration and Credit Analyst to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan application.
Corresponds with or interviews applicant or creditors to resolve questions and negotiate agreements/terms.
Actively involved in maintaining business relationships with the bank, and fostering business development, while keeping informed of trends that may impact the bank, including legal, regulatory, and economic issues.
Makes efforts to maximize new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.
Maintains the asset quality of the loan.
Communicates with Market President on a regular basis on community activities and others on operational and/or lending issues as needed.
Facilitates negotiation with customer, both new and existing, according to established standards, such as fees, loan repayment options, and other credit terms.
Refers and/or presents credit proposals to loan committee for approval in excess of individual loan approval.
Ensures loan agreements are complete and accurate according to policy.
Affirms timely loan closing and funding activities.
Coordination of proper loan documentation and loan files with Banking Assistant.
Sets up networking opportunities with valuable third-party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.).
Secondary Responsibilities And Accountabilities
Represents Bank in industry and professional associations, community organizations, local business groups, etc., and promotes Bank's favorable image.
Collects delinquent accounts in timely manner within bank procedures/processes.
Develops/ negotiates revised loan repayment terms/schedules as necessary.
Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as vehicle for customers.
Compliance with bank policies and procedures and federal and state laws/
ROLE QUALIFICATIONS
Education: Bachelor’s degree in Business, Finance or Accounting, or equivalent combination of education and experience.
Experience: A minimum of 2-5 years lending and credit analysis experience within a financial institution environment preferred.
Other Skills And Abilities
Business development/sales skills
Strong communication skills, both written and verbal
Knowledge of lending regulations and policies
Ability to interact with customers and employees with tact, diplomacy and confidentiality
Resourceful, innovative and well organized
Ability to assess problems and/or unusual situations and develop logical solutions
Strong ethical focus
Negotiation skills
TEAM/COMMITTEE ASSIGNMENTS
TBD