Private Banking Banker III

Job Description

Develops and manages profitable deposit, loan, investment, and any other financial relationships with a high net worth/professional client base in the applicable market. Develops new-to-bank business relationships, as well as cross-marketing/needs fulfillment for existing clients, through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability by performing the following duties.

• Establishes, coordinates, and manages client’s financial relationships, including but not limited to consumer/commercial loans, business purpose loans, personal/business checking accounts, time deposits, personal/business Investment options, and cash management services.
• Interviews loan applicants, collects financial and related data, and analyzes related data to determine the general creditworthiness of the prospect as well as the merits of the loan request.
• Establishes and negotiates, when necessary, the terms under which credit will be extended, including the costs, repayment method, payment schedule, and collateral requirements.
• Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and offer further opportunities to acquire useful information as well as enhancing business opportunities and the marketing efforts of the bank.
• Serves as a client relationship representative to all Origin customers by listening, researching, and complaint/inquiry resolution as needed.
• Promotes bank services and products to improve client awareness and strengthen community knowledge of Origin’s products.
• Keeps abreast of current trends in banking by regularly attending seminars, reading appropriate periodicals, and attending applicable training.

Qualifications

• Bachelor's degree (B. A.) from four-year college or university preferably in Finance, Business, Accounting or related field; minimum ten years strong performance in client relations, private banking, investments, or sales experience; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience.
• Must have an in-depth knowledge of all aspects of commercial banking and an ability to quickly learn new products and services.

Physical Demands

• Frequently sits; uses hands to finger, handle, or feel and talk or hear.
• Occasionally stands; walks; reaches with hands and arms; climbs or balance and stoops, kneels, crouch, or crawl.
• Frequently lifts and/or moves up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment

• The noise level in the work environment is usually moderate.

Supervisory Responsibilities

• May supervise employees of the Lending Staff such as Loan Assistants.
• Carrries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
• Plans, assigns, and directs work.
• Applies performance in conjunction with management.
• Rewarding and disciplining employees.
• Addressing complaints and resolving problems.