Business Banking Officer Jobs

The Business Banking Officer 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 with "Centers of Influence" while cross selling credit and noncredit products as appropriate.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education

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

Work Experience

• 3 - 7 years Commercial Lending Experience
• 2 - 3 years Business Banking/Branch Management Experience with Intensive Business Focus

Essential Functions

• Develop 2-3 million in net balance sheet growth on an annual basis depending upon market conditions and regional budget assignment
• Follow current loans to ensure complete compliance with terms
• Ensure risk ratings are appropriate based on your knowledge of the client
• Ensure noncredit clients have appropriate treasury management and other related commercial services
• Ensure all credit files include current financial statements, agency reports, etc.
• Ensure compliance with all Regulatory requirements
• Complete all required Compliance training in a timely basis
• Achieve and exceed budget goals as assigned by Region
• Call on potential or existing customers to develop new business as well as retain existing business with companies with revenues generally less than $7.5 million
• Participate with senior officers as needed
• Develop partnerships with Branch Managers, Treasury Management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest
• Consistently achieve 8-12% year over year net balance sheet growth on an annual basis depending upon market conditions and regional budget assignment
• Complete loan closings as required
• Actively participate in community affairs
• Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis
• Participate in continued sales and credit training
• Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk
• Encourage clients to maintain their personal banking at Northwest
• Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
• Develop new and expand existing Business Banking loan relationships
• Provide credit information and references for internal review as requested
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Proactively keep abreast of industry trends
• Analyze financial statements and related credit material to assess risk on a continuous basis
• As required, collect on delinquent accounts
• 25% of calls prospecting new clients and relationships
• Work with on-site equipment
• Prepare electronic loan applications for submission to Credit
• Work as part of a team
• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
• Manage Business Banking portfolio of both credit and noncredit clients. Target portfolio $10 million in loan commitments

Knowledge, Skills, And Abilities

• Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written
• Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas
• Knowledge of credit, SBA (Express, SBA 7a, and SBA 504), and noncredit services and products
• Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information
• Ability to establish effective working relationships among team members and participate in solving problems and making decisions
• Knowledge of all cash management services
• Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information