Business Banking Officer

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Actively source, market and originate new client relationships for businesses generating revenues under $2,500,000.
• Identify business opportunities for commercial depository and treasury management services in conjunction with routine calling habits; obtain requested depository and/or analysis statements to analyze with the Treasury Management Office.
• Interview new applicants. Request specified information for loan applications including but not limited to financial statements, tax returns, depository statements, references and other information pertinent to evaluation of loan applications.
• Correspond with or interview applicants or creditors to resolve questions regarding application information.
• Work closely with the portfolio manager to underwrite and communicate loan decisions. Portfolio manager will take the lead in underwriting the loan and loan documentation.
• Assist a portfolio manager in servicing an existing portfolio of business banking relationships by working closely with clients, focusing on relationship retention.
• Work closely with Branch managers and lobby staff to cross-sell additional bank products and services.
• Frequently represent the bank in the business community, actively develop relationships with business owners, C-level executives, COIs, etc. and build network of prospective bank clients.
• Recommend credits outside target market to the next level in accordance with established practices.
• Aid clients with inquiries and information requests and resolve complaints relating to loan products and services offered.
• Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies.

Qualifications

• Education and/or Experience: Bachelor's degree (B. A.) from four-year college or university in the field of business, including specific courses in accounting, finance, and economics plus additional lending-related experience; or eight to ten years related banking experience and/or training; or equivalent combination of education and experience.
• Reasoning Ability: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.