Private Banker 2

First National Bank Of Pennsylvania•Cleveland, OH

5d•Onsite

About The Position

The Private Banker 2 markets private banking services to business owners and executives, professionals, and Centers of Influence (COIs) within an assigned region. The role manages private banking relationships to support client satisfaction and identify banking, wealth management, and insurance cross-sell opportunities. It works with other bankers and associates to provide high-quality service and achieve service objectives. The position develops business through referrals from internal partners in Commercial, Retail, and Wealth, as well as external COIs such as realtors, accountants, and attorneys. It maintains and expands existing client relationships, provides advice and regular communication, and coordinates support for loan processing, underwriting and closing, deposit services, wealth management, and insurance. The role evaluates personal financial statements, tax returns, credit reports, appraisals, and other credit documentation for mortgage and consumer loan requests; prepares cash-flow schedules and credit memoranda as needed; and reviews related legal documents and negotiates with clients. The banker also develops knowledge and skills in consumer and mortgage underwriting, personal finance, wealth management, and insurance. All employees are accountable for managing risk and complying with applicable laws, regulations, and company procedures.

Requirements

Bachelor of Arts or Bachelor of Science degree.
At least 5 years of experience.
Excellent organizational, analytical, and interpersonal skills.
Excellent written and verbal communication skills.
Detail-oriented.
Excellent customer service skills.
Ability to use a personal computer and job-related software.
MS Word skills at a basic level.
MS Excel skills at an intermediate level.
Ability to work and multitask in a fast-paced environment.
Background demonstrating capacity to achieve at a high level in sales activities, new household generation, and cross-selling.
Nationwide Mortgage Licensing System and Registry identifier required.
Must be legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Nice To Haves

Strong underwriting acumen.
Prior experience with closed referrals to Wealth.

Responsibilities

Market private banking products and services to business owners and executives, professionals, and Centers of Influence in an assigned geographic region.
Develop opportunities through referrals from internal Commercial, Retail, and Wealth partners and external Centers of Influence, including realtors, accountants, and attorneys.
Work with partners across business lines to support loan processing, underwriting and closing, deposit account servicing and expansion, and wealth management and insurance relationship development.
Maintain and develop private banking relationships, provide service and advice, and cross-sell deposit, loan, wealth, and insurance products and services.
Communicate regularly with clients to optimize relationship opportunities.
Analyze personal financial statements, tax returns, credit bureau reports, appraisals, and other credit documentation for mortgage and consumer loan requests.
Develop cash-flow schedules and credit memoranda in support of loan requests as needed.
Review related legal documentation and handle client negotiations.
Maintain a personal development program to build private-banking knowledge and skills in consumer and mortgage underwriting, personal finance, wealth management, and insurance.
Demonstrate effective interpersonal behavior, judgment, communication, and initiative with prospects, clients, and associates.
Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring encountered risks as required by the corporation's risk management program.
Comply with regulatory requirements and company procedures.
Perform other related duties and projects as assigned.