Relationship Banker - Benton County, Arkansas

Description

Purpose:

While projecting a professional image; interacts with new and existing customers and match services that best fit their individual needs. Respond to inquiries and resolve issues.

Exercise independent discretion and judgment in soliciting, negotiating, underwriting, coordinating, and management of new and existing client base of business including portfolio management. Has authority to make independent lending decisions on all bank loan products. Provides consultation to clients and makes lending decisions on behalf of the bank in matters relating to financial significance.

Contacts customers, businesses, community organizations, and civic groups to promote goodwill and generate new business.

Essential Functions:

• Ensure that customers are assisted promptly in person, by telephone, or electronically by meeting or exceeding Bank standards as identified in the SMILE program.
• Open new accounts (including loan and/or deposit), update customer files, or close accounts.
• Make credit decisions to approve or deny consumer chattel, consumer real estate, business aggregate and agricultural aggregate loan applications; as approved by the Board of Directors annually.
• Authority to approve exceptions to the established loan policy, within the limits approved by the Board of Directors annually.
• Authority to approve various operational deposit items in excess of teller supervisor limits, such as check approvals and cash items.
• Authority to independently approve customer overdrafts, within limits authorized by the Board of Directors.
• Manage all aspects of the assigned loan portfolio to meet or exceed the established ratio.
• Maintain annual loan charge offs to meet or exceed the established ratio.
• Meet accuracy and correctness of work standards according to established policies and procedures.
• Meet or exceed annual cross-sell requirements.
• Contribute to branch deposit growth and branch profitability annual goals.
• Resolve customer complaints or ensure that the complaint is referred to the appropriate individual for resolution.
• Verify and ensure that appropriate action was taken to resolve customer problems.
• Represent the Bank at various bank sponsored events, both during regular banking hours or evenings and/or weekends.
• Other duties, as assigned.

Qualifications, Education, and Experience:

• Minimum of three years of experience in new business development, deal structuring, underwriting, and portfolio management.
• Bachelor’s Degree in a related field, with a minimum of 3.0 overall GPA required.
• Strong communication skills
• Effective time management skills
• Capable of making decisions and using sound judgment as it relates to al client, employee, and Bank matters. 
• Possess and maintain a valid Oklahoma Driver’s License.

Qualifications