Business Banker

Summary of Position

Business bankers serve as business development and customer service officers at banks. They search for business people and corporations that need loans for their business operations and meet with them to present offers for short-term and long-term loans. They collect the client's financial statements to verify creditworthiness and review their reputation to minimize the chances of fraud and potential loss at the bank

Essential Functions

• Manage lending and deposit relationships with small business customers.

• Originate new business opportunities through outside business development sales calls to centers of influence and prospective customers.

• Responsible for the establishment and maintenance of each market's business relationships with assigned branch personnel.

• Analyze financial statements and customer profiles to support the needs of existing and new potential customers.

• Appropriately handle Business Banking customer service issues in assigned portfolio.

• Perform and document complete interviews with customers while obtaining and providing all required documentation as applicable to loan process.

• Maintain and effectively manage individual business portfolios in all respects (i.e., financial and documentation exceptions, reviews, and collection activities in support of centralized collection and/or assigned collection activities).

• Develop and manage mid-sized small business relationships to include all types of business banking and deposit products and services and maximize long-term customer satisfaction through aggressive cross-selling efforts to satisfy customers' financial needs.

• Demonstrate sound judgment in decision-making, abiding appropriately by established guidelines and procedures.

• Actively manage and refer those larger customer and loan relationships to market Commercial Bankers, as warranted, to maintain the target customer size. Work with Commercial Bankers and, as necessary, obtain the approval of the market Senior Commercial Banker, with the goal of providing a smooth transition of accounts.

Qualifications

• Bachelor's or Graduate's Degree in Business.

• Comfortable with conducting client interaction in a professional manner.

• Fluency with product knowledge to help assist clients.

• Strong critical thinking and negotiation skills.

• Can problem-solve with confidence and provide technical assistance when necessary.
• Willing to strengthen client relationships and assist with decision-making.
• Pays strict attention to detail when answering client questions or addressing concerns as well as in onboarding processes
• Strong leadership and negotiation skills.
• Comfortable making decisions that strengthen and renew relationships and the client pipeline