Private Banker - Charlotte, NC

Primary office location: 401 S Graham St, Charlotte, North Carolina 28202.

About the role

This position is primarily responsible for marketing private banking services to business owners and executives, professionals, and Centers of Influence (COI) within an assigned region. The incumbent manages private banking client relationships to achieve a high level of client satisfaction and to develop banking, wealth, and insurance cross-sell opportunities. The role involves interacting with other bankers and associates to achieve service objectives and provides the highest quality of service to every client.

Responsibilities

• Markets private banking products and services to business owners, executives, professionals, and Centers of Influence (COI) within an assigned geographic region. Opportunities are primarily developed by cultivating a strong referral network of internal associates in Commercial, Retail, and Wealth lines of business, as well as external COIs such as realtors, accountants, and attorneys.
• Interacts with other lines of business partners across functional areas to provide outstanding service in new loan processing, underwriting, closing, deposit account servicing, wealth management, and insurance relationship development.
• Maintains and develops existing private banking relationships, provides quality service and advice, and cross-sells products and services including deposits, loans, wealth, and insurance.
• Ensures regular client communication to optimize relationship opportunities.
• Analyzes and evaluates personal financial statements, tax returns, credit bureau reports, appraisals, and other credit-related documentation to support mortgage and consumer loan approvals.
• Periodically develops cash flow schedules and provides other credit memoranda in support of loan requests.
• Reviews related legal documentation and handles client negotiation.
• Develops and maintains a personal program for achieving knowledge of private banking-related subject matter, including consumer and mortgage underwriting, personal finance, wealth management, and insurance.
• Demonstrates interpersonal behavior, attitude, judgment, communication, and initiative with prospects, clients, and associates.
• Performs other related duties and projects as assigned.
• Serves as a risk manager by understanding, reporting, responding to, managing, and monitoring risks encountered daily, in accordance with F.N.B. Corporation’s risk management program.
• Adheres to regulatory laws and guidelines to achieve compliance.

Requirements

• BA or BS degree.
• Minimum of 7 years of relevant experience.

Skills

• Excellent organizational, analytical, and interpersonal skills.
• Excellent communication skills, both written and verbal.
• Detail-oriented with strong customer service skills.
• Proficient in using a personal computer and job-related software (MS Word at a basic level, MS Excel at an intermediate level).
• Ability to work and multi-task in a fast-paced environment.
• Proven capacity to achieve at a high level in sales activities, new household generation, and cross-sells.
• Strong underwriting acumen; prior experience with closed referrals to Wealth preferred.

Special Licenses and Certificates

• Nationwide Mortgage Licensing System and Registry Identifier required.

F.N.B. Corporation will not provide sponsorship for employment-based visas for this position; only candidates legally authorized to work in the U.S. will be considered.