Position Summary
The Business Banker is responsible for retaining and growing a dedicated portfolio of profitable and high-value business clients. Partners with Branch Managers and other bank employees to retain and grow current business banking relationships. Cultivates external Centers of Influence to identify new sales opportunities.
Provides recommendations and solutions unique to each clients specific banking needs. Responsible for developing the assigned credit portfolio quality and managing requests for credit extensions and ensuring credit facilities are properly structured, priced, and documented.
Required Experience Minimum 3 years of banking experience at the level of Relationship Banker Preferred Experience Basic knowledge of credit administration and credit quality Thorough knowledge of business banking products and services Demonstrated understanding of basic financial accounting and analysis Previous experience with small business-commercial lending
Required Skills Well-developed analytical and problem-solving skills Ability to multi-task and work effectively with individuals and groups in managing customer relationships Strong relationship management and business development and business-to-business sales skills
Functions Builds, develops, and maintains profitable lending and deposit relationships with new and existing customers. Consults with customers and prospects at their places of business to understand their current business practices and identify their financial goals and needs. Contributes to the growth of a profitable loan portfolio by originating applications for all types of small business loans. Gathers, analyzes, and discusses credit and financial information for determination of credit quality and appropriateness of bank products and services at prospects or customers places of business. Sources, analyzes, and closes new loan requests using the processes available at M & F Bank. Proactively deepens customer relationships by meeting their needs through additional products and services. Actively refers clients to other M & F Bank areas for additional needs. Represents the bank at various civic and community functions to further enhance M & F Banks image and develop additional business opportunities and centers of influence. Uses civic and community contacts to develop new business opportunities resulting in closed business. Achieves 100% of all sales goals on a quarterly basis.
Partnerships and Collaboration Partners with branch employees in developing, communicating, and implementing the sales strategy to meet and exceed business objectives and exchange leads and referrals. Conducts joint outside sales calls with branch employees at prospects or customers places of business.