Job Purpose: This position is responsible for enhancing Bank profitability by developing new commercial loan relationships within segment guidelines and maintaining existing business relationships which meet the Bank's profitability standards. This associate must execute an individual plan and utilize well defined tactics to develop new client business while providing quality service to existing clients meeting credit and profitability standards. Will be responsible for cross-selling company products/services and providing referrals to partners to foster and build a relationship that best fits the needs of the client.
Job Duties:- Increases commercial portfolio profitability by developing new business relationships and retaining existing client base. Focuses on activities which will result in improved profitability of account, client and relationships within the portfolio.
- Increases commercial portfolio profitability by developing new business relationships and retaining existing client base. Focuses on activities which will result in improved profitability of account, client and relationships within the portfolio.
- Conduct on-on-one meetings, actively participate in professional, charitable and community organizations, and attend events that can generate new clients and assist in securing existing business relationships.
- Provides the highest levels of service to clients and prospects. Develops and implements a service plan which recognizes the A, B or C status of the client prospect. Introduces senior bank management to all relationships. Actively uses and updates the CRM system with all detail contact information, calling activity, referrals, etc. on a weekly basis.
- Manages assigned commercial loan and deposit portfolio to ensure high quality is maintained.
- Completes and executes criticized asset plans.
- Must adhere to Peoples Bank policies/procedures.
- Renews all lines of credit prior to expiration date.
- Eliminates non-banker initiated downgrades.
- Achieves highest levels of ongoing portfolio management.
- Will be responsible for ensuring loan documentation exceptions are to be cleared within 90 days.
- Recognize needs based sales and sales referral opportunities. Learn features and benefits of partner products and services. Proactively seeks to deepen client relationship by identifying opportunities for cross sell. Refer colleagues to clients with the goal of demonstrating Peoples Bancorp's additional capabilities and offerings in commercial banking, premium financing, leasing, insurance and retirement solutions.
- Will perform special projects as assigned.
Education, Job Skills and Qualifications:- Bachelor's Degree or equivalent business development experience.
- 5+ years' experience in commercial banking.
- Detailed knowledge of financial statement and cash flow analysis.
- Demonstrated analytical skills.
- Highly effective oral and written skills.
- Highly effective negotiation skills.
- Proficiency with Microsoft Office software.
- Active in professional, charitable or community organizations in the community.
- Travel required.
- Team player.
Basic Qualifications:- Bachelor's Degree or equivalent business development experience.
- 5+ years experiencing in commercial banking.
- Travel required.
