Sr Banker- (Advisor Services, UHNW)

What You'll Do

• Advise Advisor Services Ultra High Net Worth clients on appropriate Bank lending, deposit and trust solutions including products, pricing and recommended deal structures.
• Gather information from clients using internal and external resources for the completion of the application process.
• Partner with Schwab teammates in assigned segments to discuss Advisor Services Ultra High Net Worth client base and identify lending, deposit and trust opportunities and recommend opportunity action plans.
• Establish a reputation of execution and excellence.
• Gain confidence of Schwab Partners to fully develop lending, deposit and trust opportunities with their Advisor Services Ultra High Net Worth clients.
• Develop and present creative and intelligent lending, deposit and trust solutions; consult partners, such as credit specialists, as needed.
• Take ownership of banking client experience from initial contact to loan funding or account establishment, working closely with partners and third-party providers to ensure a smooth process for Advisor Services Ultra High Net Worth clients.
• Work with and communicate effectively with Schwab partners.

Required Qualifications

• Minimum of 5 years of successful lending consultation and business development experience in Financial Services or working closely with UHNW clients.
• Expert knowledge of credit products including residential mortgage products, home equity lines of credit, and securities-based loans.
• Familiarity with bank deposit and cash management products and brokerage margin product as well as business banking requirements and structures.
• Proven ability to analyze cash flow and balance sheet of UHNW retail brokerage clients and develop client’s personal financial statement.
• General understanding of estate planning techniques, entity structuring, and tax strategies.
• Strong skills in diplomacy, discretion, and professionalism; ability to efficiently, tactfully & professionally screen, manage and/or decline transactions while maintaining partner and UHNW client relationships.
• Excellent oral and written communication skills.
• Exceptional presentation skills.
• Strong relationship building capabilities with Schwab teammates, UHNW clients, and matrix partners (e.g., service, credit, risk and third-party vendors).
• Strong collaboration skills in a team-oriented environment.
• Attention to detail and the ability to multi-task and work efficiently, independently and with teams, to meet tight deadlines with minimal supervision.
• Strong command of mortgage underwriting guidelines.
• Completion of formal credit training strongly preferred.
• Banking background with experience working with UHNW brokerage clients strongly preferred.
• Undergraduate or advanced degree preferred.
• NMLS license required (can be obtained within 90 days of employment)
• Series 7 and 63/65 or 66 licenses required.