ESSA Bank, Private Banking Officer

Description

Private Banking Officers are role models who exemplify our organization’s core values. Candidates should be highly skilled personal bankers able to attract, discover, evaluate and advise high-income/high-net worth individuals that meet CNB Bank’s requirements for qualifying as private banking clients. They provide outstanding personalized service to our clients while following our bank’s philosophies: See It, Own It, Solve It, and find a way to say YES. Expertise in retail and mortgage lending, as well as retail deposit origination is essential. 

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

•  Private Banking Officers must be experts in the fields of mortgage and personal lending, as well as bank deposit products. 
•  Establish relationships with prospective clients offering our suite of Private Banking products and services.
•  Teamwork with other key areas of the bank is extremely important to building relationships with Private Banking clients, partnering with our Wealth & Asset Team, Commercial Lenders, Treasury Management Team, Branch Network and Support Teams.  
• Building and servicing a network of targeted clients and COIs for referrals is paramount to success in Private Banking.  

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect: We employ and service people of varied ethnicities, backgrounds and beliefs. Respect toward diverse clientele and internal staff is a top priority.
• Client Focus: At CNB Bank, it’s all about the client. Building solid relationships and taking care of our client’s needs as their trusted advisor regardless of background are the keys to our success. 
• Inclusion: Embrace one another’s unique backgrounds, perspectives, beliefs and experiences that demonstrate a welcoming environment. Display an empathetic approach to interactions and promote a feeling of belonging among co-workers and client.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership: Influence others towards achievement of goals as a part of the team. Step up into a leadership role in projects, initiatives, task force meetings, and client outreach events.
• Integrity: Adhering to company policies & procedures, regulatory compliance requirements and strong business ethics is required.
• Collaboration: Work with your other bank professionals that provide services to build full banking relationships. Provide referrals to bank partners such as Wealth & Asset, Commercial Lending, Treasure Management, and Branch Banking, as well as work with reciprocal referrals.
• Volunteerism: As a community minded bank, CNB Bank is dedicated to supporting our communities and encourage employees to seek opportunities to volunteer time and expertise to various community organizations and events.  

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability: Maintain personal responsibility in your work, providing a high level of personal service and attaining goals.
• Innovation: Think outside the box to find a way to say YES to our clients and co-workers.
• Professionalism: Practice the good judgement, positive attitude, risk evaluation, and conduct characterized by a person in a professional environment.

POSITION LEVEL(S) EXPECTATIONS (if applicable)

Title of Private Banking Officer - Officer, AVP, VP, SVP is dependent upon education level, years of experience, and demonstrated ability in the areas listed below:

• Track record of business development and client acquisition.
• Client Relationship Development – Ability to build client relationships to grow loan and deposit portfolios, as well as refer clients to teammates.
• Level of understanding of financial statements, tax returns and risk assessment. 
• Familiarity with regulatory requirements and compliance standards.
• Level of experience with structuring loan requests.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning. 

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. Bachelor’s degree (B.A or B.S.) from an accredited four-year college or university; or related experience and/or training, or equivalent combination and experience. Two – ten+ years of experience in Private Banking, depending upon level (Officer, AVP, VP, SVP). A background screening will be conducted. 

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Must be able to learn and use various software necessary for mortgage loan origination, consumer loan origination, deposit account opening, core servicing system, and other software such as Excel, Word, and Power Point.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to calculate common industry underwriting factors. (i.e. LTV and DTI ratios).
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation. 
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.  

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite. 

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER: This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.  

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match 
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

ESSA Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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