Maximize share of wallet and products penetration. Promote and Cross-sell Products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank.
Responsibilities:
Develop and maintain a portfolio of high quality, commercial relationships with a specific focus on new deposits.
Must have demonstrated experience in handling commercial loans of all types (Owner Occupied Real Estate, Income Producing Real Estate, ABL and Lines of Credits.
Experience in analyzing and evaluating purpose of request and cash flow on new and existing/renewing loans.
Cross sell other bank products to maximize customer relationships.
Know and increase the Share of Wallet of a customer in order to retain them and keeping them engaged increasing their lifetime value.
Actively participate in outside calling program/ networking events designed to promote the image of the bank as an active commercial lender and to develop new business relationships.
Refer business to other business units.
Follow-up and resolve outstanding exceptions.
Exercise prudent judgment in authorizing overdrafts and uncollected funds.
Make presentations to senior management and loan committee/ be involved in other projects related to bank
Maintain active contact with client base, meeting at least quarterly at their place of business.
Maintain a current credit file, working in conjunction with credit services. In particular, ensure that contact memoranda are up to date and document the client’s current status.
Support the bank’s CRA and ESG/ECL lending efforts. Be on a local board.
Sells all bank products and services.
Prepares packages for loan committee presentations.
Communicate to customers and prospects the approval or denial of credit requests.
Review depository activity of clients to insure compliance with BSA.
Prepare suspicious activity reports when appropriate.
Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
To identify, evaluate, monitor and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.
Bachelor’s degree in business administration, banking, finance or accounting.
Minimum Work Experience Requirements:
2 or more years banking experience in the areas of financial operations, sales or credit analysis. The job requires formal credit training and some credit experience. Some commercial lending experience with strong background in financial operations, sales and customer service techniques may be required depending on the complexity of the commercial loan portfolio in the assigned branch.
Technical and/or Other Essential Knowledge:
MS Office Skills, including MS Word Advanced, MS Excel Advanced, MS PowerPoint Advanced, MS Project Level II and MS Visio Level I required. Banking regulations applicable to lending. Cash flow analysis.
