Small Business Lender

As one of the region's foremost community banking institutions, we take pride in fostering leadership.

As a Firstrust employee, your growth is our growth. For you, that means great benefits, performance-based pay, a meaningful role, and resources to help your success. For us, that means employees who offer exemplary customer service with a commitment to our values - honesty, integrity and accountability.

Develop new bank business relationships primarily through lending to small businesses and small real estate investors (defined as loan maximums of $1MM for C & I loans and $1.5MM for real estate loans.) Grow commercial deposits and cross sell banking products and services. Works with Branch Manager, Credit Risk, Portfolio Manager and Loan Processor to close selling process.

• Onboard, manage and grow loan portfolio as defined above.
• Responsible for working with Portfolio Manager to manage the portfolio as needed, including, but not limited to line of credit renewals, term loan re-sets and past due payments and loan servicing issues that arise.
• Assess, thoroughly review and analyze financial information to determine lending needs.
• Solid understanding of cash flow and small business operating cycle and how business products and services can support businesses in the portfolio.
• Develops and implements select customer referral strategies in order to increase client satisfaction and portfolio growth for business customers.
• Arranges meetings between customers or prospective customers and appropriate bank representatives.
• Negotiates credit terms, such as credit structure costs, loan repayment methods and collateral specifications.
• Responsible for providing superior sales and service to our Small Business Banking customers and prospect base.
• Identifies and provides the appropriate financial solutions which lend to maximum retention rates, growth and profitability.
• Contacts and visits prospective customers to determine product/services needs and performs sales presentations to match company's products with identified needs.
• Provides guidance to customers so that they may make informed decisions about their financial needs.
• Ensure consistent approach on segment related deals by previewing all deals to assist with credit concerns and facilitate deal flow.
• Reviews all loan documents for accuracy prior to closing.

• Properly and accurately executes all loan documents.
• Properly files, or forwards for filing, all loan documents according to existing procedure once executed.

• Represents the bank in various civic and community functions to enhance its image and develop new business.
• Performs duties as assigned by the SVP, Team Leader-Small Business Sales.
• Knowledge of software/systems utilized between departments, specifically Salesforce, VIKAR.

• Ensure new opportunities are profitable, are the appropriate credit profile for Firstrust, and are worth getting the members of the Firstrust management team involved.

• Generate new business banking credits of $5-7MM funded loans annually, and in addition, achieve growth in deposits and fee income.

• Assists in the development of new business for Firstrust. Is alert to expressed customer/prospect needs to suggest appropriate services. Directs customers to appropriate person to establish business relationships.

• Other duties as assigned.

• The position requires excellent interpersonal, analytical and problem-solving skills. While performing the essential functions of this position, the incumbent is regularly required to drive a motor vehicle to travel to client locations and events. The employee needs to…