Business Specialist

BB Americas Bank•Miami, FL

15h•Onsite

About The Position

The Business Specialist II plays a key role in delivering exceptional customer service, with a focus on driving deposit and loan growth while ensuring full compliance with all policies, procedures, and regulatory requirements. This role involves managing a portfolio of business clients, analyzing financial data, and cross-selling bank products. The Business Specialist will also represent the bank at events and act as a liaison between customers and the loan department.

Requirements

High school diploma or general education degree (GED) required.
Minimum two years Premium Relationship Manager or Business Specialist experience required.
Related/equivalent prior work experience may be considered.
Must constantly exceed all performance requirements.
Ability to effectively present information and respond to questions from directors, managers, clients, and the general public.
Ability to speak effectively in one-on-one and group situations to applicants, customers, and employees.
Excellent ability to communicate in English, verbally and in writing.
Proficient in various computer software and banking applications.
In-depth knowledge of all bank policies, procedures, and compliance requirements.
Ability to read and interpret documents such as policy and procedure manuals, safety rules, and instruction manuals.
Ability to write routine reports and correspondence.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, interest, and percent.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to apply common sense understanding to carry out instructions in written, oral, or diagram form.
Ability to ensure confidentiality, security, and safekeeping of bank and customer information.
Is consistently at work and on time; Ensures work responsibilities are covered when absent.
Takes responsibility for own actions.
Commits to long hours of work when necessary to reach goals.
Ability to multitask.
Strong organizational skills with attention to detail.
Displays original thinking and creativity; self-starter; generates suggestions for improving work.
Treats others with respect and consideration regardless of their status or position.
Demonstrates accuracy and thoroughness.
Must be accustomed to professional, business office environment in manner and dress.
Must demonstrate excellent human relations skills with customers and bank associates.
Must be willing to participate as a team member and eager to tackle new assignments.

Nice To Haves

Four-year degree preferred.
Portuguese and Spanish highly recommended, and in some departments required.

Responsibilities

Manage a portfolio of business clients to provide excellent customer service and cross-sell bank products.
Acquire a complete understanding of consumer lending and the operations process.
Analyze detailed financial and credit data to match client needs with appropriate loan programs and risk levels.
Solicit and prospect valuable relationships and participate in business development activities.
Cross-sell bank products and services.
Exhibit professional etiquette when assisting and interacting with business clients.
Represent the bank at required meetings and events on weekends or holidays as per business need.
Offer loan products and assist business clients with process requirements, acting as a liaison between the customer and the loan department.
Build and expand quality corporate customer relationships through outbound calls, outside events, and product sales, cross-selling, and referrals.
Sell and service all bank products and services while reaching and/or exceeding monthly goals.
Perform various account services such as balance inquiries, account maintenance, and credit card applications.
Strictly follow branch managers instructions based on employee quarterly performance.
Process daily overdrafts, uncollected reports, and outstanding past due credit cards.
Assist with the processing of business correspondence.
Assist branch management in delegated duties, including branch opening procedures.
Provide excellent customer service to internal and external customers.
Process check orders, wire transfer requests, stop payments, ATM matters, and CTR processing.
Assist branch manager in delegating duties and ensuring team members comply with policies, procedures, laws, rules, and regulations.
Adhere to daily Opening and Closing branch procedures.
Actively support the team to ensure customer expectations and company goals are obtained.
Assist with the training and mentoring of new associates.
Maintain reports, records, and documentation, ensuring complete, accurate, and concise records.
Maintain full knowledge and understanding of bank policies, procedures, regulatory and compliance requirements.
Attend and/or complete all required training as assigned, including weekends.
Ensure compliance with all applicable regulations and policies by completing tasks in a timely manner.
Act within Signature Authority Level, if applicable.
Adhere to the bank’s Employee Handbook and respect all its norms.
Proactively build and grow relationships, anticipating the needs of small business clients.
Identify small business owners' needs, complete loan applications, and help the branch meet quarterly goals.
Maintain full knowledge and skill in products/features of all deposit and credit accounts.
Order supplies and assist with filing, copying, faxing, or scanning.
Perform other related duties as required.
Maintain branch equipment.