Business Banking Officer Job Moorefield West Virginia USA,Sales

Location: Moorefield

CLASSIFICATION

Exempt

REPORTS TO

EVP Director of Business Banking

JOB DESCRIPTION Summary/Objective

As a member of the Business Banking Team, the Business Banking Officer (BBO) seeks and establishes new banking relationships (both credit and deposit based) with businesses (up to $10 million in annual revenue) within the assigned geographic market. Partners with the Community Bank Managers within the market receiving new business leads and referrals from the branch teams. Also partners with the Bank's Commercial Banking Executives in the market to assess and fulfill the credit needs of potential and new business customers.

Annual targets for loan, deposit and treasury sales will be established based upon market opportunity.

Essential Functions

Achieve annual sales targets (credit, deposit & treasury) for the establishment of new relationships with businesses in the assigned territory and for the expansion of existing relationships.

Responsible for developing and executing a comprehensive territory sales plan to achieve desired results.

Partner with Community Bank Managers within the territory to receive and follow-up on business banking leads, and to introduce the bank manager to new business customers for the day‑to‑day servicing of their relationships. Executes joint sales activities and ongoing training to develop skills of assigned territory team.

Fosters teamwork and small business knowledge in all assigned branches to ensure a positive customer experience.

Engages in cross‑selling and refers customers to other business segments as appropriate

Refers business owners and employees to the bank manager for the establishment of new personal banking relationships.
Discuss the benefits of the Bank's Wealth Advisory service and refer business owners to Wealth Management for the establishment of new wealth relationships.
Discuss features of consumer mortgage products and refer business owners and employees to Mortgage Loan Officers for the establishment of new mortgage loans.

Partner with Credit Officers for the handling of credit requests from new and prospective business customers.

Actively employs strategies to expand business banking customer relationships by identifying their needs and maximizing opportunities.

Participate in local business organizations, such as chambers of commerce, to represent the Bank, and help fulfill the Bank's responsibilities as a member of the community.

Participate in and support various community and promotional activities of the Bank designed to enhance the Bank's image and visibility in the business community.

Spends majority of time in the field, on sales appointments, generating leads to new opportunities,@ and closing business.

Refer to Commercial Banking Executives' uppernars on businesses of sizes well exceeding $10 million for the handling of specialized credit requests, and support/facilitate such requests as required (especially to ensure a high‑caliber experience for the prospective customer).

Other Duties

Complies with all policies and procedures as applied to the Bank's BSA/AML policy.

Perform other duties as assigned.

Skills/Abilities

Communication skills:
Business Bankers require great oral and written communication skills to perform their job successfully.

Passion:
They must be passionate about outside sales and enjoy spending time prospecting.

Presentation skills:
Business Bankers require this skill to confidently deliver client presentations, including in-depth credit analysis to recommend appropriate credit option strategies to help small business clients achieve their goals.

Consultative sales skills:
They require the ability to probe, listen, clarify, and present information, to advance sales transactions. It is important that they are knowledgeable in financial services outside sales, business‑to‑business sales, and Business Banking.

Analytical skills:
They must possess the ability to assimilate complex financial information, analyze financial conditions of clients and industry trends, to make informed decisions. It is also essential to understand and interpret financial statements and cash flow analysis.

Teamwork abilities:
They must enjoy partnering and…


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