Job Details:
Job Summary:
Reporting to the Branch Manager, develop new and existing business and consumer banking relationships by proactively soliciting new business from prospective clients and by contacting present clients to retain and expand banking relationships, to meet or exceed assigned monthly goals. Accountable for customer satisfaction and retention. May be assigned a Signature/Priority Banking portfolio.
Major Responsibilities:
60% - Sales:
Develop new business by researching and analyzing community markets, analyzing and prioritizing clients to target, planning and executing business development strategies and calling on existing and potential clients, whether in person or over the phone.
Proactively assess clients' financial information by completing a Needs Assessment to determine total current and future financial needs. Summarize and discuss the opportunities uncovered; recommend, present and sell appropriate products and services.
Interview loan applicants to elicit information, determine appropriate loans, cross-sell opportunities, or communicate decisions or recommendations; obtain and/or send proper documentation and to resolve related customer issues. Makes face to face sales calls to the local community businesses. When appropriate, refer sales opportunity to Loan by Phone area. Refer clients as necessary to the appropriate banker or department to cross-sell additional services or products in accordance with established profile action plan. Proactively contact and consult with clients on a regular basis to update the Needs Assessment information and to educate clients on changes in the financial industry that would affect them and the products and services they currently use.
If assigned, responsible for managing and maintaining the Priority Banking Portfolio. Responsible for business development to the community's "center of influence", including clients such as CPAs and other local professionals. Conduct monthly in-house products/services seminars for branch employees and coordinate seminars for bank clients. Perform the Merchandising and Marketing activities as required including functions such as: leadership support in promotional campaigns; product/service training sessions; lobby merchandising materials display. Attend civic, cultural and community events to maintain communication links and to promote the Bank and its services.
20% - Risk/Compliance/Audit:
Responsible for following and adhering to all bank operational and security policies and procedures, including compliance and privacy policies and procedures to maintain customer confidentiality. Ensures customer information meets bank and regulatory documentation. Responsible for maintaining customer accounts by making necessary account and signature card changes, securing additional account information, and maintaining and filing cards. Inputs all related data into computer and pulls daily reports for verification of information.
20% - Customer Service:
Assure proper handling of service requests and resolution of customer problems. Maintain established customer service level expectations in accordance with the Bank's and Manager's overall goals and objectives.
Perform other duties as may be assigned. This may include providing work guidance to lower level sales staff when assigned.
Qualifications
Generally requires 2+ years of direct working experience in all financial service products and services including Small Business Sales and Credit products, risk management procedures, etc...
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