Business Banking Officer

Collects and analyzes financial and related loan applicant data to determine general credit worthiness of the customer and the merits of specific loan product and structure. Recommends and obtains approval for credit products (e.g. term loans, lines of credit, standby letters of credit, trade letters of credit, ACH exposure, merchant services, credit cards, overdrafts and daylight overdrafts) to include renewals and maturities Establishes and negotiates when necessary, the terms under which credit will be extended including the costs, repayment method and schedule, and collateral requirements Builds and presents appropriate financial solutions (across the complete range of products and services) and executes transactions that create customer and company value. Recommends cross-selling opportunities of other Bank products to retain and increase profitability of business relationships Collaborates with Business Banking, Credit Administration, Retail Lending and other relevant departments to retain, deepen and grow small business relationships. Provides support and assistance in loan product/service training sessions for Business Relationship Managers and branch personnel Assists in the development and maintenance of Bank lending policies and operating procedures which are consistent with Bank objectives. Makes recommendations regarding improving operations and creating efficiencies Minimum Education Requirements: College (4-year) Degree in Business Administration or related field Minimum Experience Required: 3 years lending experience with an emphasis on any of the following: commercial lending, commercial credit training, calling on and lending to business entities Required Skills or Training: Basic understanding and knowledge of small business products, policies, procedures and federal regulations Basic understanding of accounting principles and practices Proficient in Microsoft Word, Excel, Outlook, and PowerPoint Strong interpersonal, written, verbal, and presentation skills to interact and communicate effectively with business customers, professionals, and other bank representatives

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