Job Title

This position is responsible for identifying customer needs and matching them with the appropriate bank products and services to enhance a current or prospective customer’s satisfaction, loyalty, and financial well-being. This position will develop proactive sales/service efforts and portfolio management skills to grow a portfolio of business and consumer clients while mitigating credit risk.Advise and counsel directly with customers to understand their financial needs and appropriate products and services to offer them.Originate and submit credit requests promptly for decisioning via organized loan packages that present the needed credit documentation and identify the appropriate credit issues.Provide high level of customer service to existing clients to build relationships, to expand development of business, and to identify and create cross-selling opportunities for other product linesPractice business development skills by performing business calls to customers and prospective customers to gain further experience in outside loan production, negotiations and support achievement of growth goalsMitigate credit weaknesses, past dues and exceptions through proper loan portfolio management skills including proper risk analysis and identification of risk rate, early renewal processing, loan document preparation and closing, collateral analysis, past due collection management, etc. Work with Audit, Loan Review and the Office of the Comptroller of Currency as needed. Assess and prioritize simultaneous multiple responsibilities effectively.All work must be performed within the bank’s guidelines, policies, procedures and standards of performance.Attracts new business relationships and expands existing business relationships through the call program.Participate in community, professional, and trade organizations.Perform additional duties as assigned.Minimum of 5 years’ experience in either sales, banking or business development Experience properly managing a business loan portfolio with varied terms and collateral, including real estateExcellent oral and written communication skills Demonstrated effectiveness in sales and business developmentDemonstrated ability to develop professional working relationships with customers and internal partnersGood interpersonal skills and ability to build relationships with othersDemonstrated effectiveness in negotiation and decision-making skills to serve the best interest of the bank and borrowerFamiliarity with products and services offered by financial services institutionsDeveloped understanding of business lending, credit analysis, and credit approval processes as well as pertinent bank policies and external regulationsResults oriented, flexible, and able to prioritize simultaneous work assignmentsGeneral knowledge of the financial services industry, business lending and credit underwritingAdvanced knowledge of Microsoft Word and Excel applicationsFour-year college degree in business, finance, accounting or related field of study with 5 years of customer relationship management experience in banking or similar field preferredPhysical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.