Small Business Banking Team Leader

Washington Trust Bank Careers•Spokane, WA

1d•$95,169 - $142,754

About The Position

Washington Trust Bank is looking for a dynamic leader to join our Small Business Banking team. Our SBB Team Leader position offers an opportunity to develop and grow client relationships, becoming a trusted business partner to our Eastern Washington and Idaho markets. Our team is experienced, equipped and empowered to provide the highest level of customer service. If this is what next steps in your career look like - we want to hear from you! Participates in Small Business Banking (SBB) business development efforts by identifying referrals and prospects and calling on clients/prospects to achieve sales goals. Provides high quality customer service while assuring bank and division profitability and asset quality standards are met. In conjunction with the SBB Manager, provides sales management, support and decision making for staff within a relationship team to attain established goals.

Requirements

Bachelor’s Degree in Finance, Accounting, Business or related field or equivalent experience
General banking knowledge and/or Small Business lending acquired through experience in the Small Business transactions, processing control procedures, general ledger and accounting principles and familiar with traditional bank policies.
Work experience in fiduciary relationship management, including experience in Small Business Lending.
Knowledge of Small Business policies and structure, product knowledge and financial analysis.
Working knowledge of Bank products and services.
Proven analytical skills; ability to review and interpret complex data (determining risk, assessing complexity of accounts, etc).
Excellent written and verbal communication skills; ability to analyze, synthesize and articulate complex ideas and communicate such to colleagues, team members, and clients.
Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for results and developing working relationships with potential and current clients.
High degree of PC based technical skills, including proficiency with the Microsoft Suite of products
Ability to set and achieve challenging goals.
Required to have or obtain a Mortgage Loan Originator registration number through the Nationwide Mortgage Licensing System & Registry (NMLS).

Responsibilities

Proactively investigates opportunities for expanding Small Business market share and making business more profitable, with particular attention to identifying prospective clients and additional financial needs among present clients.
Responsible for meeting negotiated production goals.
Responsible for marketing Small Business products and services including preparing for client calls, making sales calls, and call follow-up.
Identifies opportunities and continually prospects for new clients.
Generates leads through existing relationships; asks clients for referrals.
Ensures an effective working relationship with other Bank personnel as required to perform client support and sales functions.
Cultivates strong connections with retail branch staff in order to develop internal pipeline of quality referrals.
Develops strategies to engage in difficult negotiations or presentations.
Integrates effective Internal Controls into all applicable work processes. Maintains a working knowledge of Internal Controls with particular attention to Key Controls. Is responsible for ensuring that updates to Internal Controls documentation are performed timely when there are changes in the risk parameters and/or work flow.
Participates in regular training programs with employees of WTB in order to maximize Small Business sales opportunities. These programs will emphasize: product knowledge; prospect identification; referral procedures; regulatory compliance issues; other areas of interest.
Develops and implements individual call plans tailored to increase the Small Business market penetration and client usage of bank services and identifies needs in prospects in order to establish them as clients.
Uncovers client needs by asking the right questions; utilizes needs-based selling. Reports on results will be recorded and reported on a regular basis.
Establishes and develops relationships with small business contacts so that potential Small Business customers will be referred to WTB.
Pre-qualifies Small Business borrowers to include preparation of cash flow work sheets and requesting and analyzing financial records and tax returns.
Responsible for meeting all banking and financial needs of Small Business relationship clients including all products and services offered by the Bank (Trust, International Banking, Private Banking, Real Estate, Cash Management, etc).
Works with various product specialists to help ensure an integrated and seamless approach to servicing the client; delivers superior services and products to clients through the appropriate referral of all components of respective business unit team and other Bank departments
Formulates and implements strategies based on client needs and preferences and ensures a consistent client experience (understands financial goals of each Small Business client).
Keeps abreast of new products, methods/techniques, key industry trends, conditions and changes in laws, regulatory policies and accounting practices.
Takes a leadership role in community affairs and activities where warranted for effective business development and community exposure.
Regular, reliable attendance is required.
Perform compliance and risk management duties as required or assigned.
Responsible for the daily administration of workflow of all team members.
Negotiates performance goals with team members and monitors and reviews goal progress quarterly.
Conducts a formal performance review at least annually with each team member.
Develops the credit, customer relations, and business development skills of team relationship officers through a combination of goal setting, delegation, training, counseling and performance appraisals.
Communicates and interprets bank guidelines, policies and programs, including the officer extra compensation plan.
In partnership with the SBB Team Leader, formulates short and long range team plans and evaluates the team organization structure and operating procedures.
Actively supports the Bank’s Affirmative Action goals.
Leads and participates in community affairs and activities.
Balances the number of borrower and non-borrower relationships assigned to each relationship officer to assure adequate time for a high level of customer service, timely credit submissions and officer calls.