STATUS: Exempt, regular full-time
Purpose: Source, cultivate and establish relationships with new business prospects. Facilitate the negotiation and origination of commercial loans and lines of credit appropriate to the needs of the client.
Essential Duties & Responsibilities:
With or without reasonable accommodation must be able to perform all essential job functions as described below.
Identify and cultivate leads and opportunities for new business development. Includes cold-calling, solicitation of referrals, participation in sales and marketing promotions and attendance at, or membership in various community and industry organizations and community events.
Establish relationships with potential business clients to identify their credit and other banking needs. Collaborate with community relationship officers to develop and present proposals to prospective clients. Facilitate the negotiation and sale of appropriate banking solutions.
Facilitate the introduction of new and existing clients to internal and external business partners to promote the sale of deposit account, cash management services, insurance and investment products, appropriate to the needs and interests of the client.
Manage the client relationship. Collaborate with the Portfolio Manager and serve as liaison between existing clients and banking service units to help ensure client satisfaction and retention.
Knowledge, Skills and Abilities:
Effective business development and sales skills
Knowledge of commercial credit products, concepts, processes, and functions
Knowledge of applicable federal/state banking regulations
Knowledge of business management and planning tools, including financial statements and ratios, budgets, inventory and accounts receivable turnover
Knowledge of business deposit, cash management and electronic banking products and services
Effective math skills, including ratios, percentages, interest and amortization
Ability to analyze and interpret financial statements, business reports and legal documents
Excellent judgment and problem solving skills
Effective business writing skills
Professional demeanor, speaking and presentation skills
Proficiency at speaking, reading and writing English
Computer proficiency, including Windows and Microsoft Word, Excel and Outlook
Ability to drive (current driver's license/clear driving record) or travel in market area
Ability to perform essential job functions under general supervision
Experience and/or Education:
Bachelor's degree in business/ accounting or equivalent training/experience
Two years of commercial lending experience, or equivalent training and experience
Central Valley Community Bancorp