The Senior Business Relationship Officer is responsible for the growth and management of a business banking loan and deposit portfolio consisting of existing members and prospects. This individual retains and strengthens current business relationships as well as develops new business through cross-sales and working referrals.
Essential Functions and Responsibilities:
The minimum requirement for any team member of our company is to work collaboratively and cooperatively with others, with a commitment to a workplace of dignity and respect, in compliance with Equal Employment Opportunity standards and regulations. We also require, as a minimum standard, that all team members have the ability to accept direction and constructive criticism from supervisors and managers.
Establish and maintain a network of primarily external and, to a lesser extent, internal referral sources to develop new opportunities to expand Business Service Sales.
Prospect externally for new members for both commercial and personal business.
Communicate with existing business members for ongoing credit review and maintenance of assigned portfolios. Gather facts and information to negotiate terms and conditions for new business as well as renewals of existing relationships.
Actively manage and understand credit risk to recommend appropriate loan structures for new and existing borrowing relationships.
Perform daily administrative tasks. This includes monitoring maturing loans and processing loan renewals as well as new requests.
Work closely with branch team members and Lending to address financial needs of members.
Maintain an up-to-date knowledge about all business loan types as well as an awareness of business lending trends regarding loan structure, pricing and competitive offerings and changes in the local market.
Provide high quality service to members and prospects through efficient and effective communication with external and internal sources.
Attend and participate in Member Business Loan Meetings and Commercial Meetings with staff.
Attend loan closings and ensure that complete loan packages are delivered and executed.
Take ownership of assigned loan portfolio to manage credit risk by maintaining contact with existing borrowing members.
Identify cross-sell opportunities and recommend products.
Perform other duties as directed by leadership.
High school diploma or equivalent.
10 years of experience in commercial lending new business development or commercial credit.
Demonstrated track record of prospecting and securing new business relationships totaling at least $7 million per year.
Master's degree in a related field.
Member-focused: Championing our service philosophies to all internal & external members.
Productive: Achieving excellence with attention to detail.
Proactive: Taking initiative and ownership.
Analytical: Using critical-thinking and problem-solving skills.
Organized: Efficiently managing time and other resources.
Communicative: Accurately expressing oneself verbally and in writing.
Supportive: Being approachable, respectful, and team-oriented.
Teachable: Embracing continuous improvement.
Confidential: Maintaining a high level of confidentiality.
Compliant: Respecting regulations, policies, and procedures.
Computer proficient: Adept at using computers.
This position works in-office and remotely. Work requires an appropriate work environment in the home. In-office working conditions are normal. Lighting, temperature, audio, and work space are
Thank you for applying to the Business Development Relationship Officer position. Your job application has been routed to the appropriate branch for consideration.
Please make note of your Password, as you will need this if you are selected to move forward in the process.
Your email address will most likely serve as your username.