Workplace Policy Banking Center Job ID 2024-5190 Date posted 11/14/2024 Overview:

Serves small businesses with annual revenues from $250k to $5 million providing comprehensive financial solutions to our clients. Responsible for meeting the needs and expectations of customers by servicing, promoting and selling the Bank's products and services, increasing deposits and fee income, reducing expenses, maintaining and expanding superior client relations, and consistently meeting or exceeding assigned individual or team sales goals. Services all customer account needs. Coordinates with the Bank Manager in preparing required reports and performs other functions as required for the sound operations of the bank. Cross trained in all paying, receiving and collection functions including cash handling. Accurately processes transactions, adheres to strict security measures balancing procedures. May provide loan support functions in certain offices.

Principal Duties & Responsibilities:

• Consistently meets and/or exceeds assigned individual, team and revenue goals within a designated market and gaining complete knowledge of the business and personal financial needs of assigned clients.
• Proactively seek ways to develop and expand client relationships in order to contribute towards the Bank’s success.
• Develops and maintains a prospect list of potential customers. Participates in networking, outside sales efforts and cold calling as appropriate.
• Acts as the face of the Bank in the community and takes appropriate leadership roles as available.
• Responsible for growing the profitability of the small business client base.
• Develops deposit and loan relationships.
• Prospects and acquires new priority small businesses.
• Retains and deepens existing relationships.
• Responsible for new acquisition activities.
• Analyzes client’s financial conditions and recommends financial solutions to best meet client’s business and personal needs.
• Well versed in all Bank products and services to ensure relationship building opportunities and maintains strong relationships with current clients.
• Identifies client needs and will coordinate/refer to other lines of business as needed including meeting referral goal expectations.
• Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs.
• Makes overdraft decisions on a daily basis, pay/return decisions using independent judgment within authority limits.
• Handles general client inquiries. Reconciles client statements, confers with operations personnel regarding discrepancies in balances and other problems and works toward the proper maintenance of the account files.
• Services all customer account needs: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Accepts loan payments, etc.
• Works closely with all lines of business and other departments to deliver an integrated and seamless experience for clients.
• Maintains strong product knowledge and knowledge of the marketplace. Works with other bank employees on the approval of transactions necessary for the efficient operation of the bank.
• Keeps abreast of changing business trends that impact the Personal and Business Banking area and translates those rends into business opportunities.
• Ensures compliance with the Bank’s operational and security policies and procedures so as to ensure that maximum accounting integrity and security prevails at all times.
• Completes all necessary G/L tickets and balances accurately.
• Ensures that reports required by Senior Management are accurate and completed on time.
• Responsible for opening and closing the banking center.
• In conjunction with Lending staff or within own scope of authority interviews prospective loan applicants. Collects all pertinent customer supplied documents to support the credit decision process.
• Assists the underwriting officer or Bank Manager in obtaining complete information on the loan request and communicates with customer as needed. Based on the type of loan, may close the loan ensuring compliance with all credit regulations.
• Operational Risk:
• Maintains compliance with Federal and State regulations as well as bank policies and procedures.
• Ensure compliance and completion of necessary compliance related training
• Impact the operational and risk activities and related results for this role within the Banking Center.
• Adhere to all Banking Center Risk Assessment and Compliance Standards (this includes Global Radar).
• Control and mitigate losses by following policies and procedures.
• Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Qualifications:

• Minimum 2 years of banking experience in the following or related roles: Teller, Personal Banker, CSA, Small Business Banker. Required
• Familiarity with basic banking products and services. Required
• Ability to manage a portfolio of 100 clients.
• Ability to work in a team environment and collaborate.
• Excellent verbal and written communication skills.
• Demonstrated ability to multitask in a demanding environment.
• Ability to demonstrate interest in learning small business credit.
• Ability to work on: Consumer Credit, Home Equity Application, Refer Mortgages.
• Show commitment to the sales activities with regular coaching.

Education:

• High School Diploma or GED equivalent Required

Special information to candidates:

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCPhere.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.