Business Banker Senior

Ent Credit Union•Colorado Springs, CO

1d•Onsite

About The Position

The Sr. Business Banker is primarily responsible for the overall success and revenue growth of their assigned portfolio and sales territory, with a focus on new member acquisition. This is an outside sales position. The Sr. Business Banker will focus on businesses with highly complex to novel needs, originating and growing a portfolio of business (credit and depository) relationships to achieve stated individual and team goals. They will demonstrate proficiency in initiating the member credit application process through high-impact prospect calls and prompt & complete financial data collection from prospective members. This role involves identifying appropriate prospects within defined target markets, creating and managing an effective prospect list, and performing activities to ensure growth in deposit, loan and fee income portfolios. The Sr. Business Banker will also be responsible for relationship management, including conducting meetings with existing business members, retaining and achieving revenue growth of the existing portfolio by providing continuous financial advice and maintaining profitable relationships through securing suitable deposit, loan, and treasury products. They will serve members through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness. This role also includes monitoring portfolios, understanding, detecting, and reporting the early warning signs of problem credits to minimize the risk of credit loss and maintain appropriate risk ratings on all loans. Additionally, the Sr. Business Banker will build relationships with referral sources, engage in networking activities, trade shows, and chamber meetings. They will also provide ongoing business education to service centers, attend division meetings, and collaborate with internal business partners and other credit union departments to ensure full "cross-sale" penetration of member relationships. The Sr. Business Banker must remain cognizant of and adhere to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Requirements

Bachelor's Degree in Business Administration, Finance, Accounting, or related field of study
5+ years' experience with business to business related sales.
Relationship Management - influencing, advisory, and acquisition skills
Problem solving - superior problem solving skills
Communication - superior verbal and written communication skills
Initiative/Sound decision making/managing the member experience with credit union regulations and procedures
Able to operate a motor vehicle
Comprehensive knowledge of financial services and offerings
Strong knowledge of business economics and banking
Strong knowledge of commercial/small businesses
Proficient with the Microsoft Office Suite of products (Word/Excel/Outlook).
Driver's license

Nice To Haves

3+ years' in a Business 2 Business role in a financial institution with a focus on outbound sales.

Responsibilities

Originate and grow a portfolio of business (credit and depository) relationships to achieve stated individual and team goals.
Demonstrate proficiency in initiating the member credit application process through high-impact prospect calls and prompt & complete financial data collection from prospective members.
Identify appropriate prospects within defined target markets and create and manage an effective prospect list and perform activities to ensure growth in deposit, loan and fee income portfolios.
Achieves prospective member calling objectives.
Proactively uncover sales opportunities with non-members and provide proposals in order to obtain the business as a member.
Dedicated use of the CRM tool to track business prospects, contacts, members, events and activities will help accurately track/monitor daily, weekly and monthly progress.
Utilize credit union contact management system to retain prospective member names and records, as well as standard credit union templates (such as term sheet template).
Conduct meetings with existing business members.
Retain and achieve revenue growth of the existing portfolio by providing continuous financial advice and maintaining profitable relationships through securing suitable deposit, loan, and treasury products.
Serve members through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks, and helping them accomplish their goals while maximizing our effectiveness.
Participate in the management of the business member portfolio.
Monitor portfolios.
Understand, detect, and report the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans.
Build relationships with referral sources, engaged in networking activities, trade shows, chamber meetings, etc.
Provide ongoing business education to service centers, including at least one daily huddle with the staff monthly.
Attend and actively participate in regularly scheduled division meetings and on-going training.
Collaborate with internal business partners to ensure full "cross-sale" penetration of member relationship.
Partners with and refers to other credit union departments, such as Corporate, Business Consultants and Lenders, to identify other appropriate products and services.
Utilize the business case discussion and subsequent meetings with credit union management, industry specialists and other interested parties to exchange information and ideas, and to seek to understand the opinions of others.
Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act.