Sales & Service
- Achieve individual sales goals for loan production, fee income, deposit growth, partner referrals, business calls, and others as assigned.
- Develop and manage assigned Business Banking account relationships.
- Prospect for new lending opportunities independently, as well as collaboratively with Branch Managers and business partners.
- Identify, cultivate and maintain relationships with referral sources.
- Participate in joint calling efforts with branch personnel and business partners.
- Communicate with internal and external customers throughout application and loan processes.
- Cross sell bank products and services as applicable and appropriate.
- Demonstrate strong sales and service leadership skills.
- Participate in networking functions and opportunities within respective markets to increase awareness and develop new business.
- Respond to referrals and inquiries in a timely and professional manner (24-48 hours).
- Meet with customers and prospects as requested.
- Escalates issues and concerns to Manager as appropriate.
Portfolio Management
- Collect and analyze financial and related data to establish creditworthiness.
- Monitor customer's Business Banking account relationships through financial analysis and ongoing customer contact, thus increasing retention and satisfaction, while minimizing risk.
- Must be capable of managing and structuring credits within the Department.
- Manage a commercial portfolio with minimal delinquency and runoff.
- Demonstrate ability for monitoring customer adherence to loan terms and enforcement of conditions precedent, covenants, and general monitoring.
- Escalates issues and concerns to Manager as appropriate.
Credit Administration
- Attentive to duties as a loan officer with focus on being detail-oriented.
- Ability to handle multiple transactions with minimal supervision.
- Knowledgeable in bank operations, procedures, and in the types of transactions which are more desirable to the Bank.
- Structure, coordinate, and underwrite all loans in conjunction with Credit Administration as applicable.
- Handle new loan requests in conjunction with government loan programs as applicable.
- Escalates issues and concerns to Manager as appropriate.
Compliance
- Stay current and comply with all applicable banking laws and regulations including, but not limited to, Bank Secrecy Act, Patriot Act, Regulation B/ECOA, CRA, HMDA, Credit Reports, etc.
- Stay current and comply with all established Bank polices and procedures.
Community Involvement
- Maintain professional and community relationships within respective markets through active participation.
- Increase Bank's visibility within the marketplace and thus generating new business opportunities and furthering professional development.
- Keep abreast of local economic, financial, and legislative events which may have an impact on commercial lending activities.
- Keep current and maintain knowledge of changes in regulatory environment pertaining to commercial lending.
Primary geographical footprint for business development will be Norwalk / lower Fairfield County!This position is based out of the Ridgefield Office - 100 Danbury Rd, Ridgefield, CT 06877 Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities 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)