Business Banking Officer-BB1610

Summary

Business Banking Officers play a critical role in our vision by connecting Academy Bank with the vibrant small businesses in our communities. A successful Business Banking Officer effectively generates, evaluates, and services small business clients with a suite of best-in-class business banking products, including commercial loans, credit products, deposit accounts, treasury management services, and merchant processing. Business Banking Officers display strong business acumen and work within the Bank’s business banking loan policy (one million dollars) and procedural framework.

Principal Accountabilities

• Energetically generates new business relationships and expansion of existing business relationships, primarily through outside sales efforts. Develops prospects through professional referrals, bank referrals, and community involvement. Works with retail Banking Center Managers to fully develop small business client relationships.
• Evaluates commercial loans following centralized underwriting criteria for new loans, renewals, modifications, changes in terms, credit reviews and reaffirmations for the Small Business Banking credit portfolios. Gathers and expertly reviews and analyzes credit related documentation, including business and personal financial statements, tax returns, and performance metrics. Prepares spreads on company financial statements and identifies variances and trends.
• Actively manages small business banking relationships through proactive client contacts which include identifying opportunities to fully develop small business commercial relationships, preparing and maintaining account plans and sales maps for each assigned relationship, and actively participating in weekly sales meetings.
• Regularly communicates with clients and prospective clients in a proactive and accurate way through all communication channels regarding rates, approved or denied credit requests, terms, and other general loan and/or bank product information.
• Along with a Portfolio Manager, maintains quality client portfolio of approximately $20 to $30 million. Researches, manages, and corrects technical exceptions, including appropriate documentation in file.
• Works with loan operations and other Bank departments to prepare necessary documentation and disbursements.
• Maintains a high level of cooperation and rapport with all Associates in order to ensure accurate and efficient operations and service. Attends loan and other meetings, as required and appropriate to maintain open lines of communication.
• Formulates and communicates new ideas and suggestions that will improve profitability and efficiency for the Bank's overall operation.
• Ensures confidentiality of client information by practicing all security processes, training, and coaching with respect to confidentiality policies and ensuring that all physical security measures are in place and functioning properly, including locks, computer access, and key access.
• Responsible for knowing and following all bank policies and procedures, including the Bank’s BSA/AML program and applicable state and federal laws. This includes completing compliance training and adhering to internal procedures and controls; reporting any known violations of compliance policy, laws, or regulations; and reporting any suspicious client and/or account activity. Promotes ethical environment by modeling integrity and requiring ethical behaviors from colleagues.
• Spends majority of time in sales activities at client and prospective client locations.
• Completes additional tasks as assigned.
• Understands, embodies, communicates, and instills corporate initiatives and vision, including the six Pillars of Success.
• Maintains client information in complete confidence.
• Completes other specified duties as assigned.
• Regular attendance required, working at the assigned worksite, or assigned remote location during regular business hours and/or assigned hours.