Job Description:
IncredibleBank

TITLE VP, Business Banking Officer

CATEGORY Business Banking

DESCRIPTION

We know what you're thinking. "What kind of name is IncredibleBank?"

Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how can you help us live up to our name?

About the Role

We are eager to discuss the prospect of you joining our team as our next incredible team member!

This position reports to the VP, Business Banking Sales Manager and allows you to partner with other team members and key stakeholders to provide Incredible Customer Experiences of your own! Duties and responsibilities may include:

• Prospect and generate new commercial and SBA business through various sales activities, including outside calling, networking, community events, online sales techniques, and referral partnerships.
• Promote and cross-sell other Bank products and services to meet customer needs, such as business and non-business deposit accounts, credit cards, mortgage loans, and cash management products.
• Serve as an ambassador of the IncredibleBank brand, enhancing the Bank’s reputation and developing additional business opportunities and centers of influence.
• Independently negotiate complex terms and conditions of all types of commercial and SBA loans.
• Review loan requests and credit histories, prepare proposed credit memos with recommendations for loan pricing and terms, in collaboration with Business Banking management and/or the Credit department.
• Assists and partners with the credit team to underwrite loan requests by conducting detailed financial data analysis to determine if proposed applications meet the Bank’s lending criteria and policies.
• Monitor the commercial loan portfolio to maintain acceptable risk levels in accordance with Bank loan policy, utilizing proper credit risk rating, credit analysis, and loan structure to ensure early identification of potential issues and accurate risk ratings.
• Maximize portfolio profitability through appropriate pricing of new loan originations, fee income, and selling of all Bank products and services.
• Maintain accountability for achieving annual production goals, which are subject to change per annual review practices. Metrics include conventional and Government guaranteed loan production, deposit growth, and referrals to other Bank partners.
• Maintain constructive and positive relationships with loan applicants, borrowers, their representatives, referral sources, and Bank partners, delivering ICE both internally and externally.
• Ensure compliance with banking regulations and internal SOPs including SBA SOPs in all client interactions.

This is a regular full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary between the hours of 8:00 am to 5:30 pm CST Monday through Friday.

This position will work on-site at one of our IncredibleBank branch locations in the Wausau, WI area. Frequent travel will be required based on business and/or customer needs.

About You

You do what is right over what is easy. You don’t settle for good enough. You’re driven to learn and grow. You recognize your impact on the customer experience, regardless of your role.

Those attributes are just a few things our incredible employees have in common.

And, if you are looking for an opportunity to join a dynamic team, we’d be so excited to learn a little more about you and your interest in joining the team! Our recommended and preferred qualifications are:

• Bachelor’s degree in Finance or Business Management and 5+ years related conventional and government guaranteed lending experience and/or training, or equivalent combination of education and experience in related financial roles.
• Comprehensive knowledge of commercial lending guidelines, loan programs, products and services, procedures, practices, and markets required.
• Strong understanding of branch technologies, processes, and performance metrics.
• Excellent mathematical and analytical skills required.
• Strong understanding of the fundamentals of business processes; able to analyze the nuances of business deals.
• Strong relationship management and business development/sales acumen.
• Core banking system(s) expertise required.

About Our Benefits and Compensation

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top-tier benefits and, dare we say, more than competitive compensation that we’re willing to discuss up front.

And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

Check out our total rewards package at: https://incrediblebank.mybenefitsapp.com/

About the Company

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn’t awarded as one of America’s Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn...

We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that’s what makes us America’s first national online community bank. And who doesn’t love the idea of a national community?

Today, IncredibleBank is a $1.9 billion-asset institution that has grown to 16 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it’s less about size than it is about culture. That’s why we’re especially proud to have been certified as a Great Place to Work.

Learn more about our Great Place to Work engagement results here: https://www.greatplacetowork.com/certified-company/7022621

LOCATION Wausau, WI

ABOUT THE ORGANIZATION

At IncredibleBank, we believe in our employees, our customers, and the impact we make in our communities. When your name is Incredible, it's a lot to live up to! And we feel it.

Because of that, we continually look to raise the bar, expect more out of ourselves and each other, break out of "traditional banking," and make our mark in an industry that needs a good shake-up! It's #HowWeIncredible

EOE STATEMENT

IncredibleBank is an Equal Opportunity Employer. We will consider applicants for our positions without regard to any category protected by applicable federal, state, or local law, including but not limited to: race, color, religion, sex, gender identity, sexual orientation, pregnancy, age, national origin, physical or mental disability, military or veteran status, genetic information, or any other protected classification.

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