Business Banker I

Company: Sutton Bank
Location: Mansfield
Posted on: May 11, 2022

Job Description:

Job Description Summary: Responsible performing outside sales activities in order to generate commercial/business loan volume less than $5 million dollars annually. Travel throughout assigned markets consulting with current and targeted customers in regards to their business banking and commercial lending needs. Responsible for the delivery of value-added financial solutions to existing and prospective clients that will help them to enhance their business. Meet retention goals by maintaining positive relationships with customers and resolving issues in a timely manner. Cross sell other Sutton Bank services/products to enhance the client relationship. Act as a prudent agent by performing duties in a manner that minimizes risk to the Bank and safeguards its' reputation. Qualifications: Education: Bachelor's degree (B.A.) in Business Administration, Financial Management or other related field. Licenses/Certifications: Valid Ohio Driver's License. Experience: Five years of sales experience, five years managing business banking and/or commercial relationships preferred. Formal credit training or equivalent credit risk experience. Underwriting experience preferred. Essential Functions: A: Job Specific: Responsible for developing revenue growth through generation of loans (less than $5 million dollars annually), deposits, fee income and cross-selling all applicable Bank services to existing customer base. Identifies and solicits bank services to non-customers. Prospects for clients in a new business development capacity by utilizing referral sources, existing clients and centers of influence. Conducts thorough effective pre-call planning, concise sales calls and prompt post call follow up. Responsible for meeting customer retention goals. Establishing and maintaining a customer visitation program. Presents information, anticipates problems, resolves issues and follow-up in a timely manner. Deepens current relationships by exceeding customer service standards. Ensures that customer relationships are managed to the highest profit potential for the Bank, taking into account Bank risk and customer needs. Responsible for relationship review and overall relationship profitability. Works with Credit Analysts, and other members of the Credit Department to underwrite credit requests. Underwrites loans within the assigned lending limit and provides funding to each approved applicant in conformity with the Lending Policy. Meet with customers/prospects to identify credit needs and develop/initiate a credit/deposit solution to assist the customer in meeting their financial needs. Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks and continually deepen knowledge of trends, practices, services and the competitive landscape. Cross-sell all applicable products and services to an existing portfolio of business customers and their owners/senior management. Refer customers in need of specialized services to the appropriate business partner (i.e. Financial Advisor and Business Development Officer). Develop calling plans to define necessary activity to attract and retain customer base. Utilize Customer Relationship Management system for client activity tracking. Manage call reports and pipeline. Complete administrative responsibilities in a timely manner. Monitors, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine credit exposure and verify it is priced accordingly. Maintains a thorough understanding of the Lending Policy and documentation procedures and ensure each credit is managed according to these requirements. Ensure all credits conform to the Loan Review Policy. Works closely with Loan Processors to verify loan packet is complete and that all the necessary documentation is on file. Tracks packet through the approval process for a timely closing. Maintains an acceptable documentation error rate. Assists in the collection of loans which are 60 days past due. Meets past due loan goals. Monitors loans and work with the customer to reduce net charge offs. Assists the Credit Analyst with obtaining complete and accurate financial and background information required for underwriting. Knowledge/Skills/Abilities: The ability to communicate effectively and clearly, both in verbal and written communications. Excellent interpersonal skills. Strong knowledge of the business area that is being supported. Self-directed and motivated. The ability to manage multiple tasks. Excellent problem-solving skills: the ability to define problems, collect data, establish facts, and draw valid conclusions. The ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. The ability to calculate figures as it relates to accounting/lending processes. The ability to understand cash flows and analyze financial statements. The ability to build new client business and provide a positive client experience. The ability to read, analyze and comprehend journals, audit reports, regulations and legal documents. The ability to make effective and persuasive speeches and presentations on complex topics to top management, public groups, and/or boards of directors. Sutton Bank is an Equal Employment Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity, disability or protected veteran status. Job Posted by ApplicantPro

Keywords: Sutton Bank, Mansfield , Business Banker I, Other , Mansfield, Ohio