Business Banker III

Horicon Bank•Beaver Dam, WI

2d•Onsite

About The Position

The Business Banker III performs all duties associated with the Business Banker position in originating, underwriting, and closing secured and unsecured business loans in accordance with established lending objectives, policies, and procedures. Establishes, maintains, and maximizes relationships with existing and potential customers. Profitably grows loans, deposits, and fees. Ensures that credit quality guidelines are met/monitored. This position may act as a mentor to other Business Bankers.

Requirements

Bachelor's degree in the field of business, including specific courses in accounting, finance, and economics plus additional bank related training.
Minimum of five years' experience in business banking or equivalent combination of education and experience
Knowledge of lending regulations and policies
Problem-solving abilities
Business development/sales skills
Effectively communicates in a tactful and courteous manner
Develops good working relationships with colleagues.

Nice To Haves

May act as a mentor to other Business Bankers.

Responsibilities

Develops new business through the active participation of sales development strategies.
Dedicating at least one-two day(s) out of the office weekly for sales calls and a minimum of four hours per week coordinating and planning sales calls.
Facilitates negotiation with customers according to established standards, such as fees, loan repayment options, and other credit terms.
Refers and/or presents loans to loan committee for approval in excess of individual loan approval authority.
Ensures loan agreements are complete and accurate according to policy.
Assures timely loan closing and funding activities.
Maintains updated loan documentation and loan files.
Grows and maintains a portfolio of new and existing customers and maximizes relationships based on customer needs.
Gathers and oversees compilation of all needed information for loan applications.
Works in tandem with Credit Administration to request appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to evaluation of loan applications.
Corresponds with or interviews applicants or creditors to resolve questions and negotiate deals.
Maximizes new and existing customer relationships by cross selling key deposit/fee income products/services as customer needs dictate.
Monitors and collects delinquent accounts in a timely manner within bank procedures/processes.
Develops/negotiates revised loan repayment terms/schedules as necessary.
Monitors and maintains current financial information and performs annual reviews on existing customers.
Represents the bank in industry and professional associations, community organizations, local business groups, etc., and promotes the bank's favorable image.
Seeks networking opportunities with valuable third-party associates and potential clients through community activities, professional organizations, educational workshops and seminars, charitable organizations, and economic and community development organizations (local Chambers, economic development councils, etc.).
Remains knowledgeable and abreast of guaranteed government loan programs and other conventional financing mechanisms as a vehicle for customers.
Compliance with bank policies and procedures and federal and state laws/regulations.
Fully complies with all applicable enterprise policies and procedures.
Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act.
Responsible for reporting suspicious activity to the AML/CFT team.