What are the responsibilities and job description for the Business Banker position at PIEDMONT FEDERAL SAVINGS BANK?
Job Details
Job Location: Home Office - WINSTON SALEM, NC
Position Type: Full Time
Salary Range: Undisclosed
Description
| III. POSITION SUMMARY |
| The primary purpose of the Business Banker is to develop new and maintain existing client relationships by calling on businesses, professional groups, and high net worth individuals to solicit new loan, deposit and treasury relationships in alignment with the Bank's initiatives and risk appetite. In addition, they will work skillfully to develop a larger and broader portfolio of profitable clients through promoting the Bank as the primary financial institution of choice in the markets the Bank serves. |
| IV. PRIMARY ACCOUNTABILITIES |
| High Essential |
| Provide exceptional customer service both internally and externally and serve as a role model to staff. |
| Expand the Bank's business presence by cultivating, developing, and retaining long-term loan, deposit, and treasury clients and referral sources. |
| Responsible for ongoing management of existing business clients. |
| Obtain all documents for underwriting and creating the credit memorandum. |
| Present credit requests to approving authorities, including Chief Credit Officer and the Board Loan Committee. |
| Collaborate with current loan servicing group for underwriting requirements. |
| Maintain full understanding of the Bank's lending policy and applicable lending related policies and procedures. |
| Identify potential risks and create action plan to mitigate. |
| Participate in community or volunteer events representing the Bank, enhancing the Bank's visibility and giving back to the communities we serve. |
| Possess the ability to identify and refer cross-sell opportunities. |
| Low Essential |
| Provide support to Branch Managers and other departments to develop and maintain confidence needed to get maximum referrals. |
| Non Essential |
| Other duties, as assigned |
| Cross train and back-up others, as assigned. |
| V. EDUCATION |
| 4 yr. College degree or equivalent work experience. Major or focus of study: Business/Finance |
| VI. RELATED EXPERIENCE |
| Five years of banking experience, with a minimum of two years of business lending and underwriting experience. |
Qualifications
| VII. QUALIFICATIONS: GENERAL KNOWLEDGE, SKILLS, AND ABILITIES |
| Must be able to train, coach, and answer questions from those at lower mastery levels around: |
| Accuracy/Attention to detail |
| Communication including verbal, written, listening, face to face, telephone and email |
| Conflict Management |
| Interpersonal Skills |
| Office machine operation |
| Must be able to identify issues with application of the following subjects, develop solutions, and implement improvements: |
| Analytics |
| Problem solving skills including analysis, research, interpretation and recommendations |
| Must be able to apply the following principles and processes to day-to-day functions: |
| Collaboration/Teamwork |
| Community Involvement |
| Decision making/independent judgement |
| Influence |
| Microsoft Excel, PowerPoint, LaserPro and other lending software. |
| Prioritize, multi-task, meet deadlines, and work independently on multiple projects |
| Seasoned judgment to resolve complex situation requiring interpretation of gray areas |
| VIII: QUALIFICATIONS: PIEDMONT KNOWLEDGE, SKILLS, AND ABILITIES |
| Must have a high level of knowledge of the following subjects; might be regarded as an authority in the area by peers: |
| Business Loan origination processes/procedures |
| Credit underwriting processes/procedures |
| Must be able to apply the following principles and processes to day-to-day functions: |
| Business loan servicing processes/procedures |
| Risk/Compliance management |
| Must be aware of the following general principles and operations; not expected to fully function in the area: |
| Mutual concept of corporate governance, knowledge of and commitment |
| IX: QUALIFICATIONS: TECHNICAL KNOWLEDGE, SKILLS, AND ABILITIES |
| Must have a high level of knowledge of the following subjects; might be regarded as an authority in the area by peers: |
| Business relationship management and sales |
| X. QUALIFICATIONS: Licensing/Certifications |
| Registered with the NMLS Federal Registry and obtain an unique identifier number in accordance with the Bank's policies and procedures and all related regulations. |
| XI. CONTACTS |
| Attorneys |
| Auditors, internal or external |
| Community and business leaders |
| Direct client contact/service |
| Financial institutions |
| Government agencies |
| Insurance company/agents |
| Realtors and real estate agencies |
| Centers of influence |
| Regulators/Examiners |
| Managers and senior management |
| Vendors/potential vendors and service providers |
| XII. WORKING CONDITIONS/PHYSICAL REQUIREMENTS |
| This job is conducted in an office work environment, and is generally sedentary but may require walking at times. Most of this position's duties require use of a computer. Some travel via car or air, and evening/weekend work may be required. Some travel and evening/weekend work may be required. Incumbent must meet the following physical requirements with or without reasonable accommodation: a. Use hands to manipulate, handle, feel, and control items or equipment; b. Walk, bend, kneel, and reach; c. Lift up to 25 pounds, using all safety precautions; d. Stand and/or sit for long periods of time; e. Talk, hear, and communicate with clients and coworkers in English; f. See and be able to read, write, and interpret documents written in English. |
| Disclaimer: The above information on this description has been designed to indicate the general nature and level of work performance by teammates within this classification. It is not designed to contain or be interpreted as comprehensive inventory of all duties, responsibilities and qualifications required of teammates assigned to this job. |
| Piedmont Federal Savings Bank is an Equal Opportunity Employer Veterans/Disabled. |
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