Small Business Banker II

PA0725 State College Business Office

Job Description

The Small Business Banker II services a wide variety of business loans including commercial and industrial loans, SBA, and commercial real estate while working as part of a team with branches, credit, and product partners. This position develops meaningful relationships and engages in cross- selling credit and noncredit products as appropriate.

Essential Functions

• Develop new and expanding existing small business relationships
• Consistently achieve 8-12% year over year net balance sheet growth on an annual basis depending upon market conditions and regional budget assignment
• Develop partnerships with Branch Managers, Treasury Management Advisors, Merchant Services and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest
• Call on potential or existing customers to develop new business as well as retain existing business with companies with revenues generally less than $10 million
• Engages in joint-calling activity with branch partners at a regular frequency
• Works to promote cross-sell behaviors personally and within assigned branch territory
• Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk
• Follow current loans to ensure complete compliance with terms
• Proactively keep abreast of industry trends
• 25% of calls prospecting new clients and relationships
• Achieve and exceed budget goals as assigned by Region
• Actively participate in community affairs
• Encourage clients to maintain their personal banking at Northwest
• Prepare electronic loan applications for submission to Credit
• Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
• Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis
• Ensure noncredit clients have appropriate treasury management, merchant services and other related commercial services
• Ensure risk ratings are appropriate based on your knowledge of the client
• As required, collect on delinquent accounts
• Analyze financial statements and related credit material to assess risk on a continuous basis
• Complete loan closings as required
• Provide credit information and references for internal review as requested
• Ensure all credit files include current financial statements, agency reports, etc.
• Participate in continued sales and credit training
• Complete all required Compliance training in a timely basis
• Ensure compliance with all Regulatory requirements

Preferred Education and Work Experience

• Bachelor's Degree in Business, Accounting, Finance, Economics, or Marketing

• 5-6 years Business Banking/Branch Management experience with intensive business focus

Additional Knowledge, Skills, and Abilities

• Knowledge of all cash management services

• Knowledge of credit, SBA (Express, SBA 7a, and SBA 504) and noncredit services and products

• Knowledge of merchant services

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Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.