Job Details
- Reviews market information, networking opportunities, and other sources for business development leads.
- Develops new prospects and customers for the financial institution by maintaining an organized business development effort including but not limited to calling on new and existing clients, utilizing a contact management program, and planning and documenting calls as appropriate.
- Fosters teamwork by conducting other business development activities such as but not limited to joint calling with branch staff and product specialists, attending community and networking events.
- Refers prospects and clients to other product specialists as appropriate including: treasury management, commercial banking, branch, and other personnel.
- Interviews applicants for business banking services, both credit and non-credit services.
- Discusses client needs, problems or complaints with client relationship stakeholders.
- Seeks to expand existing relationships with appropriate cross selling activities.
- Evaluates potential customer loan requests and makes loan recommendations, as appropriate, utilizing standardized forms and underwriting tools.
- Negotiates credit terms, such as costs, loan repayment methods and collateral, including customer pricing for products sold as consistent with policies and procedures, and to be competitive with the market.
- Stay current on lending regulations and necessary compliance procedures for both personal and business banking services.
- Packages loans for prospects and clients, and recommends loan terms and conditions, and packages non-credit services, or directs supporting staff in such activities as appropriate. Ensures document accuracy relative to approved credit facilities. Corresponds with legal counsel or other agents, as appropriate, and as necessary.
- Monitors client performance versus that expected, documenting material variance and information, and making risk rating changes as appropriate.
- Manages business banking relationships, as needed, and counsels customers and prospects on banking and non-banking strategies.
- Responsible for meeting sales volume and profitability goals, sales activities, and calling goals. Implements routines to acquire, deepen and retain commercial customers business, including uncovering the business customer's personal banking needs.
- Other duties, in addition to those above, as assigned.
Compliance: All employees are accountable for compliance with all laws, regulations and adherence to established internal controls and procedures when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls. All employees shall be responsible for communicating upward, problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions. Employees must participate in required training on pertinent compliance laws and regulations as required by the Bank of the Pacific.
All employees will be committed to maintaining a high level of compliance with the Bank Secrecy Act and Anti Money Laundering, USA PATRIOT Act and Financial Recordkeeping regulations recognizing that all three acts are important tools in federal efforts to combat organized crime, terrorism and drug trafficking.
Education / Experience:- Undergraduate degree in Business, Accounting, Finance or related field preferred, or High School Diploma with minimum of 3 years progressively responsible experience in small business lending.
- One to two years of experience, preferably in a financial institution or lending operation.
- Understanding of general bank policies bank regulations.
Skills / Knowledge / Abilities: - Working knowledge of lending policies, compliance, and procedures.
- Extensive knowledge of retail banking services.
- Ability to deliver excellent customer service.
- Good communication, quantitative, and sales skills.
- Proficient in computer software common fulfilling the principal responsibilities of the job.
- Familiarity with on-line computer systems.
- Above average tact in dealing with community and peers.
- Strong professional appearance, dress, attitude, interpersonal and communications skills.
- Ability to perform independently and with minimal supervision.
- Manifests the values of the organization, particularly relative to peers and support staff.
- Organizational skills, resourceful with ability to work independent and follow through.
Working Conditions / Environment / Potential Hazards: - While performing the duties of this job the employee regularly works in general office setting with a controlled climate.
- Work involves being able to concentrate on the matter at hand, sometimes managing distracting work conditions and frequent employee and customer contacts and interruptions during the day.
- Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work additional hours as needed.
Physical Requirements:- The employee is frequently required to stand, walk, type, and speak with internal and external customers for extended periods of time.
- Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, kneeling or crouching to file materials.
- Work may involve the constant use of computer screens.
- Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, fax machine, and other office equipment including those related to completing banking services in the branches. Work requires dexterity of hands and fingers with repetitive wrist and hand motion.
- Occasional lifting 20 lbs (i.e., deposit bags, money trays, loan files, boxes)
OurMissionissimple,tobethebestBankforouremployees,customers,investorsandcommunity. AtBankofthePacific,wearecommittedtodeliveringmemorableservicebeyondthecustomer'sexpectation,toincludebothexternalandinternalcustomers.Weconsistentlydemonstrateourvaluesthroughteamwork,opencommunication,integrity,honestyandrespectforothers.Additionally,wewillmaintainaprofessionalappearancethroughdress,conductandanorderlyworkarea.Asuccessfulcandidatewillpossessthesequalitiesandbeenthusiastic,professionalandofhighethics.TheywillembraceourMission,VisionandValuesandactivelycontributetooursuccess.
OurCoreValues-WeCare. Weconsistentlydemonstratethisthrough: Teamworkandopencommunication~Integrity,honestyandrespectforothers~Enthusiasmandpositiverecognition~Professionalism,initiativeandinnovation~Accountability,focusedactionandtimelyfollow-through~Commitmenttomakeourcompanyasuccess
ForyourBenefitWeOffer:- Salary range for this position is $65,000 to $93,000 per year. The specific salary offered will depend on several factors including but not limited to applicant's knowledge, skills and experience relevant to the position.
- Eligibletoparticipateinannualincentiveplan.
- Weofferacomprehensivehealthcarebenefitpackagethatincludes:Medical,Dental,Vision,EAP,LTD,STD,GroupLife,VTL,AD&D,FSA,DCAP,LFSA,andHSA.
- RetirementSavingsPlanthrough401(k)withanadditionalRoth401(k)option.Wematch100%ofyourdeferralupto5%ofeligiblecompensation.
- WellnessDollarsupto$500peryear.
- WeekendWellnessHours,4perquarter.
- PaidBirthdayandAnniversaryHoliday
- 11paidHolidaysperYear
- SickLeaveTime-Earnupto8dayseachYear
- Vacation-17dayseachYear(firstyearadjustedbasedonhire)
- VacationPurchasePlan
- TuitionReimbursement
- EmployeeBankingPrivilegesandSpecialLoanFeatures.
Allemployeesareresponsibleforinternalcontrolsintheperformanceoftheirassignedduties.InternalControlresponsibilitiesareestablishedinvariouspolicies,procedures,anddocumentsincludingtheCodeofConduct.
BankofthePacificisanEqualOpportunityEmployercommittedtodiversityintheworkplace.Allqualifiedapplicantswillreceiveconsiderationforemploymentwithoutregardtorace,color,religion,sex,sexualorientation,genderidentity,nationalorigin,citizenship,maritalstatus,age,disabilityorprotectedveteranstatus.
SalaryRangeDisclaimer: ThebasesalaryrangerepresentstheminimumandthemaximumofBankofthePacific'ssalaryrangeforthisposition.Actualsalarieswillvarydependingonfactorsrelatedtobusinessneedsandtheemployee'srelevantknowledge,qualifications,experience,andjobperformancefortheposition.