What are the responsibilities and job description for the Business Banker IV position at OneAZ Credit Union?
Our associates enjoy a one-of-a-kind culture with a rich benefits package that includes:
- Generous paid time off: 10 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time
- Low-cost Medical, Dental & Vision plans – as low as $5 per pay period
- Paid childcare assistance (up to $96 per pay period)
- Award-winning 401(k) 5% discretionary match - fully vested from day 1
- 100% Gym fee reimbursement up to $75/month
- 100% Tuition Reimbursement Up to $5,250
- $1200/yr student loan repayment
- Plus a great schedule with NO WEEKENDS!
- Target hiring range $110K - $138K (Depending on experience and prior to any incentives this position is eligible for)
Our ideal candidate
The Business Banker IV maintains a professional image and working knowledge of all products and services while representing the credit union. The role communicates the benefits of products and services to current and prospective business members to develop and maintain long-term relationships. The Business Banker IV enhances the growth and profitability of business loans, deposits, and ancillary services. The role provides input to the VP of Business Services on potential new products and/or trends in the industry, acts as a liaison between credit union departments, and operates within the credit union's prescribed credit authority and risk tolerance. The Business Banker IV examines and evaluates preliminary credit requests and assesses credit quality, prepares formal credit requests, and authorizes or recommends approval of member applications for business loans. The Business Banker IV maintains a thorough knowledge of and compliance with credit union policies and procedures and federal and state rules and regulations.
A typical day might include the following
Follows a program of conducting scheduled sales calls and site visits, documenting all calling activity in the client management system.
Develops and manages a loan portfolio of credits with greater complexity, value and risk.
Develops and manages a deposit portfolio to include selling and maintaining cash management relationships and merchant services.
Consultatively interviews applicants and provides timely follow-up to answer questions, gather credit and financial information and obtain credit reports for loan requests.
Seeks out and delivers results-oriented sales presentations to procure sales of business loan, deposit and ancillary services to credit union members and prospects.
Prepares comprehensive analysis and underwriting of credit and financial risk in order to recommend appropriate loan structure and risk rating.
Effectively represents the credit union’s interest in negotiating loan terms and conditions with borrowers.
Provides documentation review of all loan documents for accuracy, prior to closing.
Works with associates/leaders staff and internal departments on joint calling activity.
Cross-sells all other credit union products and services, providing referrals to those respective areas, as appropriate.
Networks with centers of influence and participates in community involvement activities to perpetuate business development and promote the credit union brand.
Actively solicits new loan requests from existing business members and prospects.
This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.
Education
Education
- High School Diploma required.
- Bachelor's Degree in finance preferred.
Experience
- 10 to 15 years of similar or related experience. commercial lending required.
- Or equivalent combination of education and experience.
Knowledge, Skills and Abilities
- Proven ability in commercial lending including Commercial and Industrial lending, Equipment financing and Owner Occupied and Investment Commercial Real Estate lending.
- Proven ability in sales industry and relationship management.
- Familiarity with banking industry.
- Strong written, verbal, and presentation communication skills.
- Knowledge and experience with office suite software (e.g., Microsoft Outlook, Word, Excel, PowerPoint).
- Strong attention-to-detail, organization, and multitasking skills.
Why join the OneAZ team?
Our culture is one-of-a-kind! You’ll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve.
We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, color, religion, creed, national origin or ancestry, sex (including pregnancy), age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity, or any other legally recognized protected basis under federal, state, or local law.
We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others. Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers
Additional Notes:
Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.
All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.
Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).
Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.
Salary : $1,200
