Business Banking Officer

Essential Duties and Responsibilities

• Aid in the management and servicing of business banking relationships by working closely with customers, focusing on relationship retention.
• Evaluate pertinent financial information and determine whether credit is an acceptable risk.
• Recommend approval of loans and credit cards according to company policies and 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.
• Meet regularly with customers to review products and services and enhance the relationship.
• 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.
• Work with community agencies and participate within the market, serving as a representative of the Bank to provide resources and develop banking relationships.

Qualifications

• Existing skills in commercial credit underwriting, business development and portfolio management for small-to-mid-sized companies is preferred.
• Strong professional communication, presentation and interpersonal skills.
• Superb people skills to work within a team environment and successfully develop and retain client relationships are required.
• An ability to cross-sell other banking products, including loans, deposits and treasury management is required.
• Must be self-motivated to work independently and take ownership.
• Excellent 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 is required.
• Must have superior analytical and decision making skills based on a thoughtful assessment of risk.

Supervisory Responsibilities

None

Education And/or Experience

• Bachelor’s degree in Business Administration from a four-year college or university; a Finance or Accounting emphasis is strongly preferred.
• MBA is preferred but not required.
• Some experience in commercial and/or business banking is preferred.
• Existing skills in commercial credit analysis and underwriting, business development and portfolio management for small-to-mid-sized companies is strongly preferred.