Business Services Consultant

First Community Bank•Augusta, GA

12d

About The Position

Responsible for business development calls on existing customers and prospecting for new customer relationships to grow cash management services and consumer and commercial loans. The role serves as an ambassador for the bank by matching products and services to customer needs, building relationships, and pursuing established goals. It acts as a primary contact for inquiries about loan and deposit products, rates, and procedures; supports lending through applicant interviews, credit analysis, loan packaging, and documentation; and develops and presents sales proposals and product training. The consultant also helps resolve customer problems, identifies customer needs and potential product improvements, supports banking-office activities and CRA reporting, follows bank policies and applicable regulations, and participates in community and civic activities.

Requirements

Bachelor’s degree, at least 5 years of related experience, or an equivalent combination of education and experience.
Effective oral and written communication skills.
Ability to speak effectively before groups.
Ability to perform basic to moderately complex mathematical calculations.
Basic problem-solving and analytical skills.
Ability to interpret written, oral, diagram, or schedule instructions.
Attention to detail and strong organization.
Effective presentation skills.
Proficiency with personal computers and office products such as Word and Excel.

Responsibilities

Build relationships with existing customers and prospect for new customers, matching bank products and services to customer needs and working toward established goals.
Respond as the primary contact to customer and non-customer inquiries about loan and deposit products, rates, and procedures.
Support business services involving Business DDAs, corporate and personal sweep analyses and proposals, BoB/Bill Payment, HSAs, Merchant Capture, Payroll Cards, Positive Pay, and Web ACH Editor.
Demonstrate knowledge of bank loan products, including real estate, construction and development, working capital lines, equipment, and vehicle loans.
Interview loan applicants and request information needed to determine credit decisions.
Conduct credit analysis for loans within assigned lending authority or before seeking approval from a co-approving officer.
Compile loan packages and negotiate loan structure with applicants, including fees, repayment options, and other credit terms.
Ensure loan agreements and related documentation are complete and accurate according to policy.
Prepare and present sales proposals, RFPs, and presentations, and participate in or lead product training for various audiences.
Take ownership of customer problems and work toward resolution.
Communicate client and prospect needs and participate in developing new services or modifying existing services and products.
Identify and analyze potential loan markets to develop commercial and consumer loan and deposit prospects.
Follow bank policies, procedures, security guidelines, and applicable federal, state, and local regulations; coordinate with legal counsel and bank operating departments on compliance related to new or revised products and services.
Support the assigned banking office, consult with tellers and customer service representatives, and grant officer approval of transactions as appropriate.
Promote bank business through good customer relations and referrals to appropriate staff for new services using bank-endorsed techniques and processes.
Support the Bank’s CRA Officer by reporting CRA data.
Participate in community involvement and civic activities and sometimes take a leadership role in those organizations.