Sr Banker- (Advisor Services, UHNW

Senior Banker – Advisor Services

The Senior Banking team is seeking a high‑potential candidate to partner with Advisor Services partners, RIAs and their end Ultra High Net Worth clients by providing Banking and Credit solutions. The role encompasses internal marketing, client meetings, coordination with accountants, attorneys, and serving as primary contact for loan inquiries, process, and problem resolution.

• Advise Advisor Services Ultra High Net Worth clients on appropriate bank lending, deposit and trust solutions including products, pricing and recommended deal structures. Gather information from clients using internal and external resources for the completion of the application process.
• Partner with Schwab teammates in assigned segments to discuss Advisor Services Ultra High Net Worth client base and identify lending, deposit and trust opportunities and recommend opportunity action plans.
• Establish a reputation of execution and excellence. Gain confidence of Schwab Partners to fully develop lending, deposit and trust opportunities with their Advisor Services Ultra High Net Worth clients.
• Develop and present creative and intelligent lending, deposit and trust solutions; consult partners, such as credit specialists, as needed.
• Take ownership of banking client experience from initial contact to loan funding or account establishment, working closely with partners and third‑party providers to ensure a smooth process for Advisor Services Ultra High Net Worth clients.
• Work with and communicate effectively with Schwab partners.
• Responsible for the early identification of complex transaction structures, such as entity, trust, guarantor, co‑op, unique property requirements, condensed time‑frames, properties under construction, and need for multiple co‑borrowers.
• Maintain full awareness of status for all Advisor Services Ultra High Net Worth banking applications in pipeline and function as primary Schwab Bank liaison for all parties involved in bank account opening process, including service, credit, risk and third‑party vendors.
• Address all issues surfaced during loan process and assist with underwriting requests for additional information as needed.

• Minimum of 5 years of successful lending consultation and business development experience in Financial Services or working closely with UHNW clients.
• Expert knowledge of credit products including residential mortgage products, home equity lines of credit, and securities‑based loans. Familiarity with bank deposit and cash management products and brokerage margin product as well as business banking requirements and structures.
• Proven ability to analyze cash flow and balance sheet of UHNW retail brokerage clients and develop client’s personal financial statement. General understanding of estate planning techniques, entity structuring, and tax strategies.
• Strong skills in diplomacy, discretion, and professionalism; ability to efficiently, tactfully & professionally screen, manage and/or decline transactions while maintaining partner and UHNW client relationships.
• Possess excellent oral and written communication skills. Exceptional presentation skills.
• Strong relationship building capabilities with Schwab teammates, UHNW clients, and matrix partners (e.g., service, credit, risk and third‑party vendors).
• Strong collaboration skills in a team‑oriented environment.
• Attention to detail and the ability to multi‑task and work efficiently, independently and with teams, to meet tight deadlines with minimal supervision.
• Strong command of mortgage underwriting guidelines. Completion of formal credit training strongly preferred.
• Banking background with experience working with UHNW brokerage clients strongly preferred.
• Undergraduate or advanced degree preferred.
• NMLS license required (can be obtained within 90 days of employment).
• Series 7 and 63/65 or 66 licenses required.

• Building Collaborative Relationships:
  The ability to develop, maintain, and strengthen partnerships with others inside or outside the organization who can provide information, assistance, and support.
• Customer Orientation:
  Demonstrated concern for satisfying one’s external and/or internal customers.
• Diagnostic Information Gathering:
  Identifying the information needed to clarify a situation, seeking that information from appropriate sources, and using skillful questioning to draw out the information when others are reluctant to disclose it.
• Fostering Teamwork:
  As a team member, the ability and desire to work cooperatively with others, and as a team leader, interest, skill, and success in getting groups to learn to work together cooperatively.
• Results Orientation:
  Focusing on the desired end result of one’s own or one’s unit’s work; setting challenging goals, focusing effort on the goals, and meeting or exceeding them.