What are the responsibilities and job description for the Commercial Lending Business Development Officer (VP/SVP) position at Integro Bank?
Summary
You own it, are accountable and likely are a top performing sales business development officer for business, C&I, CRE loans, deposit and full range of banking solutions for commercial and small business clients. You are either worried about your current employer's interest/ability to close loans, not happy with your employer or perhaps interested in exploring a change. You share our passion for helping small businesses grow. Ethics, integrity, building trust, honoring your promises, and delivering results for business clients are of paramount importance to you.
You are very intrigued to learn that our employees rank us among the best work cultures they have experienced. You are interested in learning about the proprietary "Integro360" services we invented, provide for free to business owners and the proven effectiveness these services have achieving a 90% close rate as a result of a unique offering not provided by any other lender - providing our BDO's wih a competitive edge. You are pleased to learn that the bank's executive leaders have experience managing 780 bank failures, and that their conservative governance, yet with heavy investments in technology and innovation to better serve clients - ensuring we have a safe, secure and sustainable bank. You are curious to learn why we are one of the fastest growing banks. You either live in the Phoenix Arizona metro area or have family or friends and interested in being based here. If this sounds like you, please keep reading and we encourage you to apply.
Requirements
RESPONSIBILITIES:
Knowledge, Skills & Abilities
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: Integro Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.
About Integro Bank
Our Mission is to “Help small businesses maximize growth and employment”. Our Why is because “Employment lifts people up and transforms lives”.
Our Core Values Are
You own it, are accountable and likely are a top performing sales business development officer for business, C&I, CRE loans, deposit and full range of banking solutions for commercial and small business clients. You are either worried about your current employer's interest/ability to close loans, not happy with your employer or perhaps interested in exploring a change. You share our passion for helping small businesses grow. Ethics, integrity, building trust, honoring your promises, and delivering results for business clients are of paramount importance to you.
You are very intrigued to learn that our employees rank us among the best work cultures they have experienced. You are interested in learning about the proprietary "Integro360" services we invented, provide for free to business owners and the proven effectiveness these services have achieving a 90% close rate as a result of a unique offering not provided by any other lender - providing our BDO's wih a competitive edge. You are pleased to learn that the bank's executive leaders have experience managing 780 bank failures, and that their conservative governance, yet with heavy investments in technology and innovation to better serve clients - ensuring we have a safe, secure and sustainable bank. You are curious to learn why we are one of the fastest growing banks. You either live in the Phoenix Arizona metro area or have family or friends and interested in being based here. If this sounds like you, please keep reading and we encourage you to apply.
Requirements
RESPONSIBILITIES:
- Generate new C&I, CRE and business loans from small and mid-size business clients in accordance with established annual goals and objectives.
- Prescreen loans with knowledge of proper structure, conformity, and eligibility with respect to the applicable loan program.
- Identify opportunities to solve client issues by obtaining sufficient information from applicants to analyze the loan request appropriately.
- Maintain continual dialogue and close working relationship with other bank officers, centers of influence, referral resources, etc.
- Cross-sell treasury management, deposit, trade, cash management, wealth & asset management, credit card, on-line banking, mortgage, investment and other financial services.
- Responsible for cash flow analysis, spreading, developing a loan credit approval memo for the credit department based on the information received from the prospect.
- Responsible for assisting client through the end-to-end loan process, assisting internal team members with obtaining all necessary documentation needed to close the transaction, monitor loan performance, collect tax returns, financials, rendering proprietary Integro360 consultative services and to follow up on any exceptions or account matters.
- Responsible for ensuring compliance with all aspects of job-related laws and regulations, including timely, and successful completion of all online or in-person training required by Integro Bank.
- Participate in community and business functions/groups to provide a positive image for the bank within the marketplace. Establish referral contacts within the community. Attend local events to establish Integro Bank’s presence and cultivate relationships.
Knowledge, Skills & Abilities
- Demonstrate at least 5 years of prior commercial loan business development experience at a financial institution
- Demonstrated knowledge of C&I, CRE and business loan products and policies
- Excellent verbal, written, and interpersonal communication skills
- A team player able to work effectively in a team-fostered, multi-tasking environment
- Proficient in Microsoft Office Word, Excel, PowerPoint, Hubspot or similar CRM system, Abrigo or similar loan processing system.
- Ability to work independently and develop relationships based on overall profitability and revenue generation.
- Strong working knowledge of financial analysis and spreading including cash flow, balance sheet, financial ratios, collateral, economic and industry analysis.
- Bachelor’s Degree or equivalent experience preferred.
- Successful, prior business development and relationship management experience
- Strong Sales experience required
- Ability to lift a minimum of 20lbs. (e.g., file boxes)
- Must be able to sit, stand, bend and stoop
- Sitting/Standing/Driving for 90% of the time
- Requires ability to use keyboard up to 8 hours
- Travel may be required
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: Integro Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.
About Integro Bank
Our Mission is to “Help small businesses maximize growth and employment”. Our Why is because “Employment lifts people up and transforms lives”.
Our Core Values Are
- Earn and be worthy of Trust: Trust is everything. Be authentic, honest, make personal connections and keep your promises.
- Demonstrate an optimistic and positive attitude: Our intentions should be upbeat, positive and lift others up. Positivity breeds success.
- Focus on client-centric solutions: We listen, understand and WOW our clients.
- We deliver results: Own it, be accountable, committed and strive for positive outcomes in everything we do.
