Business Banking Officer
Renasant Bank•Lake City, FL
•Onsite
About The Position
The Business Banking Officer will be responsible for building a book of business and managing a loan and deposit portfolio primarily focused on business and consumer relationships. Loans should generally fit within the SBLU, BBLU and DecisionPro models. In addition, this role will be responsible for business development, calling on prospects, and using networking and referral sources to grow a portfolio and cross sell related bank services.
Requirements
- High School diploma or equivalent required.
- 2 years of banking, credit or other financial services experience required
- Demonstrate high level of sales and service skills
- Ability to analyze credit applications for completeness on all types of loans
- Knowledge of Federal laws and regulations involving loans and deposits
- Good decision making, planning and organizing skills
- Technical knowledge and proficiency to handle the activities and responsibilities of the job
- Effectively communicate with clients, branch personnel, officers and senior management
- Professional verbal and communication skills
- Professional sales ability
Nice To Haves
- College education preferred, but not required
- Background in retail banking, consumer lending, and commercial lending preferred
Responsibilities
- Manage an active portfolio of small business and consumer loans and deposits
- Achieve loan and deposit goals provided by management
- Interview applicants, structure and negotiate loan terms, and analyze new and renewed loans
- Review applications and financial information for completeness and follow up on any missing documentation
- Prepare and send required disclosures in a timely manner to avoid exceptions
- Conduct collateral and other analysis as needed to render a credit decision
- Possess the ability and willingness to approve loans within loan authority
- Actively participate in new business development program by identifying, developing and documenting calls on perspective clients to generate new loan and deposit opportunities
- Manage the loan closing processing, which includes working directly with back office departments and third party vendors
- Provide back up support for other branch functions
- Participate in community activities and events
- Obtain and retain product knowledge
- Cross sell all company products and services
- Handle customer problem resolution
- Perform other related duties as assigned
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
