Incumbent is responsible for efficient organization and management of the Business Banking Center’s workflow, credit approvals, problem resolution, and personnel management.
Responsible for effective utilization of systems used within the department, specifically the origination system (B2B) and the portfolio management system (Risk Advisor).
Ensure work is processed in compliance with all applicable regulations and policies.
Develop and produce reports to monitor compliance with regulations and service level agreements.
Take action to ensure compliance.
Advise, counsel, coach, and instruct the Business Banking Center (BBC) staff on various aspects of their jobs.
Perform customary human resources functions (hiring, monitor staff productivity and performance, performance reviews, etc. ).
Interact with Business Banking and branch relationship managers on various issues relating to loan underwriting.
Decide on appeals of credit decisions, requests for policy exceptions, etc.
Ensuring the quality of the asset booked to the bank through prudent credit decisions and correct loan structuring will minimize delinquency and loan losses and positively impact the Bank’s profitability.
Interacts with the Department Manager and Credit Manager regarding credit policy, operations, reporting and various other issues relating to the department.
Contributes to the development of new Business Banking strategies, product, etc.
Requirements
5 – 10 years banking experience required including 2-5 years as a Commercial Lender or Business Banker
2 years of supervisory experience, preferred
4 year College degree in business desired, MBA preferred
Knowledge of commercial lending with strong financial analysis and accounting skills
In depth knowledge of small business credit scoring models and strategies are necessary
Strong leadership and motivations skills are essential
Superior written and oral communications required, including excellent presentation skills
Knowledge of laws governing lending and compliance
Knowledge of Bank Credit Policy & Procedures, Government Lending Program policies and regulations
Strong working knowledge of loan origination systems, preferably, Baker Hill’s B2B system
Knowledge of personnel management policy and regulations
General banking background in order to identify cross sell opportunities
Benefits
Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.
Parental Leave : Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage : Ensuring your overall health and well-being.
Flexible Spending Accounts : For healthcare and dependent care expenses.
Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits : Including hospital, accident, and critical illness coverage.
Retirement Plans : Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance : Supporting your growing family.
Tuition Reimbursement : Invest in your education and career growth.
Employee Assistance Program (EAP) : Access to support and resources.
Pet Insurance : For all your furry friends.
Financial and Banking Services : Various banking services benefits and financial planning assistance.