Private Banking

Civista Bank

Description:

Responsible for management and growth of long‑term profitable relationships with high‑net worth individuals ($1 million in investable assets and above), medical professionals and emerging affluent clientele using high‑touch banking, financial planning, credit and other financial solutions.

• Understand the needs of wealthy clients and cater to those requirements.
• Depending on the marketplace, dedicate a percentage of time to existing clients, providing a superior client service experience and specifically addressing the comprehensive holistic needs of each client with banking options, wealth strategies, and lending solutions.
• Open, close and service client deposit accounts; coordinate and follow through on client requests for products and services (i.e., open/close accounts, check orders, credit drawdowns/paydowns, credit card requests, etc.), take consumer loan applications and process loan documents; sell investment products and provide financial advice (Series 7 and Series 63 licenses preferred), or refer client to the appropriate department.
• Confidentially manage daily client transactions and inquiries accurately, within established deadlines and in accordance with firm business policies and procedures, as well as applicable FINRA and other federal regulations.
• Provide high‑quality, high‑touch service to Private Banking clients. Responsible for monitoring and maintaining client accounts across complex structures and a wide variety of products. Acts as a trusted advisor, providing solid solutions and simplifying the client’s life to achieve financial goals.
• Use deep knowledge of the relationship and available sales tools/reports to independently identify and execute cross‑sell and up‑sell opportunities.
• Resolve client problems as needed/warranted and other duties as needed.
• Monitor and manage existing credit relationships.
• Build and manage lifelong client relationships with a certain number of high net‑worth individuals (generally 75‑125 account relationships).
• Depending on the marketplace, dedicate a percentage of time to prospecting and new client acquisition. Develop internal and external referral sources to cultivate prospect opportunities.
• Depending on the marketplace, dedicate a percentage of time to developing relationships with internal clients including mortgage/consumer/commercial lenders, business bankers, branch leaders and wealth managers.
• Attend all sales team meetings.
• Refer clients to trust and investment management department; commercial/consumer loan department and wealth management as the need presents itself.
• Research, follow‑up and resolve client inquiries and issues through effective interaction with clients, advisors, product partners, branch/operations teams and other staff in a timely and professional manner.
• Work within a team environment with trust and investment personnel, commercial/consumer lending personnel, and retail staff in order to provide optimal client service.
• Depending on the marketplace, dedicate a percentage of time to developing relationships with external COIs including attorneys, CPAs, physician recruiters, medical professionals, real estate agents, etc.
• Meet one‑on‑one, host seminars/mixers, plan collaborative events, etc. with the goal of deepening relationships and encouraging the sharing of prospect referrals.
• Represent the Bank at community civic club and service club events.
• Develop a Business Plan detailing yearly & quarterly new client, lending & wealth goals with an action plan for achievement of these goals. Take pride in exceeding goals as assigned by management and maintain accountability for client acquisition, growth and retention.
• Track all client, prospect, internal customer & internal customer interactions and pertinent information in Salesforce. Maintain up‑to‑date calendar & pipeline reports including monthly mortgage report.
• Depending on the marketplace, dedicate a percentage of time on the road traveling to meet with internal and external customers; stay in contact with office and other clients via laptop computer, iPad and cellular phone. May have…