Job Description
This role will actively seek out new customer opportunities by developing relationships and exploring there banking needs. Maintain and service assigned portfolios and appropriately cross sell other Bank products. Maintain close customer contact to ensure continued satisfaction and to anticipate additional financing options.
Position Responsibilities
- Provides financial consultation to customers and prospective customers to help them reach their goals as well as potentially maintain a long-term banking relationship;
- Approves sound loans reflecting attention to analysis, loan structure, and pricing relative to the risk and value of the borrower within lending authority and bank loan policy, or prepares quality loan presentations for credit recommendations to appropriate loan authorities;
- Negotiates complex pricing, loan structure, and loan agreement issues on large borrowers;
- Monitors existing assigned loans to ensure complete compliance with loan terms, proper loan ratings, timely past due management, and problem loan detection;
- Calls on potential or existing customers to develop new business and increase or retain existing business;
- Maintains an extensive knowledge of loan policy and procedures, commercial deposit accounts, cash management, ACH policies, letters of credit, credit cards and other bank products;
- Be thoroughly familiar with regulatory compliance matters that directly affect lending processes and be committed to comply with those requirements.
Minimum Education and Experience
- Bachelor’s degree in Business Administration or related field or equivalent work experience.
- Proven sales track record in developing new business
- 5+ years of Commercial Lending experience
- Ability to provide short-term sales results
- Knowledge of lending and banking policies, procedures, and regulations
- Credit Lending experience a requirement.
Technical Knowledge and Skills
- Microsoft office software suite (Word, Excel, PowerPoint, etc)
- Excellent oral and written communication skills
Other: Ability to travel within a defined market area.
Compliance
It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.
The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at any time at management’s discretion. The job description is not intended to create contractual obligations of any kind.
Capital Finance Bank, N.A. is an affirmative action and equal opportunity employer.
