Private Banker - Columbus GA

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Position Summary:

This position creates and maintains close relationships with all parties involved in Bank relationships and helps facilitate sales through the structuring of creative and appealing products and services. The Private Banker should seek to become a key adviser to the client and the community. The Private Banker develops and manages relationships which meet the established requirements and provide maximum profitability to the Bank with minimum risk.

• Uphold Smart Bank Core Values and Core Purpose.
• Adheres to and embraces the Smart Bank Way by Acting Smart, Looking Smart and Being Smart.
• Meets with prospects and existing clients regarding new loan requests, deposit accounts, and/or other products and services that provide a solution to the clients’ needs.
• Informs prospective clients of the financial institution’s underwriting guidelines and applicable government regulations.
• Personally interviews all loan and deposit applicants.
• Completes each loan application and all pre-processing functions in a timely manner.
• Gathers related financial and general business information, performs financial analyses needed to make credit decisions, participates in team credit decisions and communicates with prospects and customers to close sales.
• Analyzes the credit history of applicants and determines their loan repayment capabilities.
• Screens loan request based on financial institution policies and on types of loans offered by the institution.
• Communicates the need to order appraisals, credit reports, background checks, reference checks and other information as needed to the Loan Administrator on loan applicants.
• Responsible to monitor overall profitability of relationships and negotiates terms, fees, and structures to the mutual benefit of the client and Smart Bank.
• Evaluates potential customer loan requests and makes loan recommendations to management.
• Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Develops and retains customers, meeting with prospects and customers of moderate size and complexity in a designated region to achieve sales goal under limited supervision of more experienced personnel.
• Makes calls independently and may accompany more experienced personnel on larger account visits.
• Seeks to create full banking relationships: loans, deposits, treasury management, investment services, merchant services, and any other service the Bank may offer that meets the needs of the client or prospect.
• Based on the communicated sales goals, the Private Banker strives for a balanced approach to lending, deposit gathering, mortgage referrals, and fee income generation.
• Communicates complex approvals or denials to the borrower.
• Promotes and participates in the financial institution’s special credit programs and other CRA programs.
• Work closely with team of credit underwriters and analysts to ensure adherence to all credit policies and guidelines throughout sales and loan process.
• Proactively manages client relationship, including monitoring of overdrafts and past due loan accounts, and supports loan assistants and branch associates with exception clearing.
• Recommends and appropriately structures bank technologies and access for each client relationship.
• Meets with the team of private bankers and residential lenders on a routine basis to discuss topics pertinent to the business line.
• Actively promotes private banking products within their communities and networks.
• Continues…