What are the responsibilities and job description for the Commercial Services Officer I position at SB Financial Group Inc.?

Job Description

EducationA B.S. or B.A. degree in a related field normally required; specialized banking education and training.Experience

A minimum of three (3) years of experience in related positions normally required.

Preferred Skills

Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal relations, communicative, and sales skills.
A thorough knowledge of the features and benefits of all bank commercial products and services.
A working knowledge of bank operating policies and procedures which impact commercial services.
Valid driver's license.

Role and Responsibilities

Responsible for developing and managing the commercial and industrial loan relationships; achieving customer service goals as established in the Commercial Services Department's annual operating plan.

Essential Duties

Develops and manages the commercial and industrial loan relationships which are typically the largest and most complex by performing the following :

Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Commercial Services Department's annual marketing / sales plan.

Solicits new business from present and prospective customers; interviews applicants; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities.

Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.

Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.

Serves as a member of the bank's sales team, e.g., Sales Managers; makes group sales calls where these types of calls will improve the opportunity for new business development.

Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.

Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority; negotiates provisions and structures of loans.

Makes presentations to appropriate loan committee.

Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems including loan policy.

Maintains a working knowledge of bank operating policies and procedures which impact commercial services.

Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers.

Monitors loan repayment activities.

2. Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Services Department's annual operating plan.

3. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place.

4. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management, overall safety and soundness, and the bank’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.

5. Coordinates departmental tasks with coworkers inside and outside the department in order to ensure an efficient process and the completion of essential tasks needing proper segregation of duties.

6. Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; complies information as necessary or as directed and provides date to appropriate bank personnel.

7. Responds to inquiries relating to his / her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.

8. Maintains appropriate records and provides assigned reports.

9. Actively participates in community activities in a manner which reflects favorably on the bank.

Ancillary Duties

1. May attend sales and trade meetings as a bank representative to develop new business and to gain information and leads on new business relationships.

2.Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual or departmental circumstances.

Physical Requirements

Occasionally ascends / descends stairs to move through the different floors of the location.

Occasionally positions self to accomplish tasks in various environments including tight and confined spaces.

Occasionally remains in a stationary position, often standing or sitting for prolonged periods.

The person in this position needs to occasionally move about inside the office to accomplish tasks.

Must be able to assess the accuracy, neatness, and thoroughness of the work assigned.

Occasionally exposed to outdoor elements such as precipitation and wind.

Occasionally has to work around noisy environments.

Sedentary work that primarily involves sitting / standing.

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