Business Banking Officer

Responsibilities

• Reviews market information, networking opportunities, and other sources for business development leads.
• Develops new prospects and customers for the financial institution by maintaining an organized business development effort, including but not limited to calling on new and existing clients, utilizing a contact management program, and planning and documenting calls as appropriate.
• Fosters teamwork by conducting other business development activities such as but not limited to joint calling with branch staff and product specialists, attending community and networking events.
• Refers prospects and clients to other product specialists as appropriate including treasury management, commercial banking, branch, and other personnel.
• Interviews applicants for business banking services, both credit and non‑credit services.
• Discusses client needs, problems or complaints with client relationship stakeholders.
• Seeks to expand existing relationships with appropriate cross‑selling activities.
• Evaluates potential customer loan requests and makes loan recommendations, utilizing standardized forms and underwriting tools.
• Negotiates credit terms, such as costs, loan repayment methods and collateral, including customer pricing for products sold consistent with policies and procedures and competitive with the market.
• Stays current on lending regulations and necessary compliance procedures for both personal and business banking services.
• Packages loans for prospects and clients, recommends loan terms and conditions, and packages non‑credit services or directs supporting staff as appropriate; ensures document accuracy relative to approved credit facilities and corresponds with legal counsel or other agents as necessary.
• Monitors client performance versus that expected, documents material variance and information, and makes risk rating changes as appropriate.
• Manages business banking relationships as needed and counsels customers and prospects on banking and non‑banking strategies.
• Is responsible for meeting sales volume and profitability goals, sales activities, and calling goals; implements routines to acquire, deepen and retain commercial customers, including uncovering their personal banking needs.

Other duties, in addition to those above, as assigned.

All employees are accountable for compliance with all laws, regulations, and established internal controls and procedures when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls.

All employees shall be responsible for communicating upward problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions. Employees must participate in required training on pertinent compliance laws and regulations as required by the Bank of the Pacific. All employees will be committed to maintaining a high level of compliance with the Bank Secrecy Act, Anti Money Laundering, USA PATRIOT Act and Financial Recordkeeping regulations recognizing that these acts are important tools in federal efforts to combat organized crime, terrorism, and drug trafficking.

• Undergraduate degree in Business, Accounting, Finance or related field preferred, or High School Diploma with minimum of 3 years progressively responsible experience in small business lending.
• One to two years of experience, preferably in a financial institution or lending operation.
• Understanding of general bank policies and regulations.

• Working knowledge of lending policies, compliance, and procedures.
• Extensive knowledge of retail banking services.
• Ability to deliver excellent customer service.
• Good communication, quantitative, and sales skills.
• Proficient in computer software common to fulfilling the principal responsibilities of the job.
• Familiarity with online computer systems.
• Above average tact in dealing with…