Senior Business Banker

About the Role

The Senior Business Banker develops and oversees a Business Banking Portfolio, focusing on growing and developing small business relationships. Responsibilities include offering deposit services, facilitating business loans up to $2,000,000, and providing additional services such as treasury management.

Responsibilities

• Actively engage in business development to attract profitable new business (typically small businesses with less than $5 million in revenue and owner-occupied commercial real estate) for Everwise.
• Screen and interview applicants to assess financial needs and perform financial modeling as needed.
• Gather required information to compile comprehensive loan packages for decisioning.
• Conduct and lead joint calls with MicroLenders, Business Bankers, Treasury Management, and other internal stakeholders for small businesses.
• Actively lead the closing of small-balance loans, ensuring proper documentation, signatures, and fund disbursement.
• Proactively administer loan portfolios, deposit accounts, collections, and associated documentation.
• Provide mentorship to MicroLenders and Business Bankers.
• Participate in professional community relationships to enhance Everwise’s visibility and secure new business opportunities.
• Introduce and maintain working knowledge of additional financial services (e.g., Commercial, Cash Management, Mortgage, and Retail Services) to enhance member relationships.
• Maintain an in-depth understanding of product offerings and coordinate with other areas to grow the portfolio and deliver excellent service.
• Uphold government laws, regulations, and Everwise’s policies concerning Anti-Money Laundering (AML), including the Bank Secrecy Act (BSA), US PATRIOT Act, and OFAC.

Requirements

• Bachelor’s degree in finance, accounting, business, or a related field, or equivalent relevant work experience.
• 4+ years of experience in financial services, with a minimum of 2+ years in business banking or commercial lending.
• Solid understanding of SBA lending.
• Proficiency with commercial financial software and the Microsoft Office suite.

Skills

• Strong verbal and written communication skills.
• Exceptional interpersonal skills for interviewing, negotiating, selling, and managing difficult conversations with small business members.
• Excellent small business analytical and organizational skills.
• Commitment to upholding integrity by safeguarding Everwise’s and its members' best interests through prudent lending and risk mitigation.
• Ability to organize and participate in community service and promotional events to foster personal development and enhance Everwise’s reputation.