Business Client Advisor

TITLE:                       Business Client Advisor

REPORTS TO:             SVP, Commercial Banking Team Leader

FLSA:                          Exempt

CATEGORY:                 Full Time

SHIFT:                       Monday – Friday 8:30am – 5:30pm

SUMMARY

Seeking experienced Commercial Banker to drive new client acquisition and deposit growth. This role is ideal for a highly motivated, relationship-driven professional who excels in business development and consultative banking. The successful candidate will be responsible for identifying and onboarding commercial clients with a strong focus on deposit generation, treasury management solutions, and C&I lending opportunities, while actively managing and growing a portfolio.

ESSENTIAL DUTIES

1.      Provides exceptional customer service to internal and external clients.

2.      Proactively source and cultivate new commercial banking relationships, focusing on businesses that align with the bank’s strategic goals. 

3.      Develop and execute a sales strategy to manage and grow C&I relationships: loans, core deposits, and treasury management services.

4.      Conduct in-person meetings, attend networking events and lead community engagement activities to generate leads. Develops referral sources for additional business.

5.      Partner with internal teams, including treasury management and credit, to deliver comprehensive banking solutions. 

6.      Identify and structure C&I lending opportunities for businesses, including working capital lines, equipment financing, and owner-occupied real estate loans.

7.      Serve as trusted advisor to business clients, providing customized banking solutions that meet their financial needs.

8.      Ensures proper underwriting and documentation of loans. Completes and approves credits in conformance with Loan Policy and within authorized limits and with satisfactory turnaround times on all credit requests.

9.      Responsible for ongoing monitoring of credit quality of personal loan portfolio. Proactively notifies clients of upcoming loan maturities, renewals, rate adjustments and other loan events, ensuring receipt of all necessary documentation to complete renewals in a timely manner.

10.  Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis. Independently researches and analyzes borrower company and industry data.

11.  Ensure high levels of client satisfaction and retention by delivering proactive service and financial insights.

12.  Stay informed on industry trends, local market conditions, and competitor solutions.

13.  Leverage industry knowledge to tailor financial solutions for businesses in target sectors.

14.  Actively participate in professional associations and community organizations to enhance the bank’s presence.

SECONDARY DUTIES

1.      Participates in Board Loan Committee meetings where appropriate.

2.      Provides direct and indirect customer service by giving advice and answers for a variety of basic to complex questions to clients and to colleagues. Refers inquiries to the appropriate department or person, exhibiting the necessary follow through with clients and/or colleagues involved.

3.      Ensures all related file systems are maintained so that necessary documents can be found easily, and documentation is consistent and complete.

4.      Assumes responsibility for various department functions in the absence of colleagues or in overload situations.

GENERAL

1.      Provides excellent personal customer service to all internal and external clients by treating people with respect; keeping commitments; inspiring the trust of others; working ethically and with integrity; upholding organizational values; and, accepting responsibility for own actions.

2.      Follows policies and procedures; completes administrative tasks correctly and on time; contributes to the overall profitability of the Bank through cost controls and expense monitoring.

3.      Applies good judgment in decision making and sees beyond immediate assignments and acts on opportunities and problem areas.

4.      Performs position safely and reports potentially unsafe conditions. 

5.      Works according to established schedules, arriving on time and with a positive attitude.

6.      Completes assigned Compliance Training.

7.      Any other duties as defined by management.

QUALIFICATIONS AND DEMONSTRATED ABILITIES

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

1.      Bachelor’s degree in finance, accounting, business administration or related field; or equivalent combination of education and experience. Work-related experience should consist of at least three (3) years’ experience in a commercial lending capacity. Educational experience, through in-house training sessions, formal school or related curriculum, should be applicable to finance, accounting or business.

2.      Strong understanding of commercial banking products, particularly deposits and treasury management.

3.      Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures, speak clearly to clients, colleagues, directors, and shareholders.

4.      Excellent sales, negotiation, and relationship management skills.

5.      Ability to read, analyze and interpret business periodicals, professional journals and technical procedures.

6.      Ability to analyze financial statements and assess banking needs.

7.      Strong networking abilities and involvement in the local business community.

8.      Intermediate computer operation skills; email, keyboarding, spreadsheet and specialty software programs to meet production needs of the position.

9.      Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

10.  Excellent organizational and time management skills.

11.  Results-oriented, with the ability to work independently and collaboratively while also handling confidential information with discretion.

PHYSICAL REQUIREMENTS

1.      Ability to sit and/or stand for extended periods of time.

2.      Occasional walking to assist or meet with clients and staff at various locations within the Bank.

3.      Continuous clarity of vision at 20 inches or less for normal processing of work.

4.      Repetitive use of hands such as grasping, twisting/turning of wrists, and finger dexterity necessary to perform various clerical duties such as typing, writing, and maintaining files.

5.      Occasional use of arms such as pushing/pulling to open and close drawers and cabinets.

6.      Occasional bending and/or reaching for supplies, etc. on both low and high shelves.