About the position
Responsible for managing, retaining and growing an assigned portfolio of business clients with deposit and loan account relationships that meet established lending and operational policies; and provides maximum profitability while managing risk. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a 'Voyaging Spirit' and being 'Positively Ohana'. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.
Responsibilities
- Grow the deposit and loan portfolio with existing and new clients.
- Understand the needs of clients and maintain profiles to identify opportunities.
- Generate new business from referrals and prospecting.
- Maintain and generate new business through an organized and targeted calling program.
- Develop and maintain a business referral and information network consisting of trusted professional contacts.
- Partner with other lines of business to generate referrals.
- Possesses or is able to learn product knowledge and commercial credit skills.
- Is knowledgeable and adheres to the Bank's credit policies and procedures.
- Appropriately manages and maintains credit quality aspects of assigned portfolio.
- Assess the appropriate loan/borrower grade in a timely manner.
- Timely renewal and/or extension of loans.
- Minimize all delinquencies (payment and tickler delinquencies).
- Follow financial trends of respective borrowers.
- Appropriately recommend waivers/amendments.
- Maintain credit files in compliance with Bank Credit Policies & Procedures.
- Identify cross sell opportunities by knowing your client.
- Team with business and branch partners to provide client with expertise for all stages of their business and personal life.
- Deliver an exceptional customer experience with quality service.
- Maintain regular contact and communication with clients evidenced by call reports and profiling.
- Nominate worthy candidates for appropriate business and community awards.
- Participate in bank sponsored, as well as outside business and community events to develop business.
- Become knowledgeable and active in respective organizations/industry associations related to Business Banking niche market segment.
- Promote, enhance and increase the goodwill of the bank within the community.
- Actively nominate clients/prospects for Awards and Recognition.
- Create value-added benefits to the business community through specialized activity, events, programs, and promotions.
Requirements
- Bachelor's Degree from an accredited 4-year University or equivalent experience required.
- 1+ year of experience in customer service.
- 1+ year of experience in credit or small business financial products sales experience.
- 6-12 months of credit training and credit analysis production work (or equivalent) preferred for Business Banking Officer I.
- 2+ years of small business lending experience or equivalent for Business Banking Officer II.
- 5+ years of small business lending experience or equivalent for Senior Business Banking Officer.
Benefits
- EEO/AA employer M/F/D/V.
- Drug-free workplace.
- Pre-employment substance abuse testing.
