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Business Banking Officer

Anchor Bank • Lacey, WA

Posted 20 days ago

Job Snapshot

Full-Time
Experience - At least 3 year(s)
Banking - Financial Services
Banking
Relocation - No
0

Applicant

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Job Description

General Purpose:  To sell new business clients and manage a portfolio of loan clients.  The candidate can either be a proven sales leader with a knowledge of finance and balance sheets, income statements, etc. or a loan officer, banker, credit analyst or an MBA combined with at least 3 years commercial business and C&I lending.  Both the ability to make cold and warm calls and understand financial statements is critical. 

 

Preferred skills:

 

  1. Quick study

     

  2. Intelligent

     

  3. Self starter

     

  4. Great phone and customer service skills

     

  5. Good presentation and closing skills

 

  1. Proven ability to develop, maintain and retain a variety of Commercial and Industrial business banking relationships for both deposit and loan/credit products

     

     

    Responsibilities/Major Activities:

     

  1. Identify and solicit business banking, C&I lending (and ancillary) deposit and loan/credit products from a variety of prospective business banking customers; maintain and report on business development efforts, results, and pipeline activities. 

  2. Act as a principal relationship manager and contact for a portion of the bank's business banking portfolio.  Interview prospects and principals to develop meaningful credit and deposit relationship opportunities; gather complete credit and deposit packages for the construction of customer presentations, be able to make logical customer presentations, ask for their business, and close the deals.

  3. Develop, construct, present and support business banking relationship recommendations in the best interest of the bank, with full documentation and detail.  Demonstrate the ability to present and discuss components such as gross and net margins, turn times, business and financial ratios within a complete Credit Memorandum. 

  4. Provide periodic collateral inspections and reports of status and/or condition, of business collateral including inventory, equipment, etc., as well as of the related real estate and premises property. 

  5. Demonstrate comfort in negotiating terms and conditions (within assigned parameters) on loan and deposit products, along with collateral documentation and needs including Security Agreements, the Uniform Commercial Code, Deeds of Trust, Title Insurance, Assignments, etc.

  6. Ensure timely and thorough monitoring and reporting of assigned credits through periodic reviews, analysis and proper documentation.  Remedy account and/or relationship deficiencies when appropriate working in conjunction with Retail Banking, Note Department, Special Assets, and Management. 

  7. The successful candidate will be expected to assist Bank Officers and Managers in developing business within their market areas. 

  8. Practice compliance with all regulations applicable to this position, including but not limited to: the Community Reinvestment Act, the Bank Secrecy Act, the Americans with Disabilities Act, the Fair Credit Reporting Act, Equal Credit Opportunity Act, RESPA, HMDA, and Fair Housing Act, and maintain an adequate and reasonable level of knowledge and understanding related thereto.

Job Requirements

Qualifications:

 

  • Bachelor’s Degree is desired;

  • This is not an entry level position: A minimum of two (2) years of demonstrated success in the development of commercial and industrial bank clients is required in addition to a bachelor’s degree; additional experience may be considered in lieu of a bachelor’s degree;

  • Basic to advanced knowledge of the rules and regulations that influence and govern commercial and industrial lending, commercial real estate lending, commercial deposit and related banking products.

  • Understand the theories and processes of business appraisal, CRE appraisal, financial analysis and  business cycle activity.

     

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