Description:
SUMMARY OF JOB:
Develop and manage new and existing commercial customer relationships through cross-selling appropriate banking products and services. Manage portfolio ensuring proper risk is assessed and in compliance with appropriate regulations, laws, and bank policies. Coordinate with other Bank business partners on the delivery of banking product and services through multiple service channels and/or areas of specialization.
ESSENTIAL JOB RESPONSIBILITIES
- Identify and develop profitable C&I banking credit and treasury management account relationships with business credit needs in excess of $500,000 (excludes commercial real estate).
- Assist in the facilitation of prospecting customers and actively participate in the design of creative solutions to meet their needs.
- Assist in the development of structures and negotiation of loans and/or agreements to include the terms, pricing, special conditions, and interest rates for commercial accounts.
- Assist in the facilitation to the loan committee or approving officer; oversee the loan documentation and closing process.
- Manage portfolio by monitoring financial statements, covenants, borrowing bases, maturing loans, and past dues to ensure that credit facilities are properly risk-rated and that the Bank responds to the risk in an appropriate and timely manner.
- Strengthen and manage existing account relationships and loan portfolios through monitoring of financial statements, covenants, borrowing bases, maturing loans, and past dues to ensure that risk is properly evaluated and managed in an appropriate and timely manner to ensure profitable growth of the account.
- Maintain knowledge of banking products and services, as well as knowledge of the industries or market areas served. Keep abreast of current developments and market trends, to further identify and service the customer's needs.
- Collaborate and coordinate with internal and external business partners to ensure banking products and services are provided in a timely manner and support the profitable growth of the relationship.
- Meet/exceed sales and referral goals and meet/exceed individual branch targets.
- Maintain current knowledge and follow all bank financial and security regulations and procedures.
- Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
- Other duties as assigned
Requirements:
JOB REQUIREMENTS:
Education: Bachelor's Degree (preferred Finance, Accounting, Economics or another relevant field)
Work Experience: 3+ years of experience in commercial banking experience or sufficient relevant experience
Supervisory Experience: N/A
Licenses/Accreditations: None required
Computer Skills: Intermediate skills with Microsoft Office Suite and CRM systems
Other Requirements: Strong knowledge of and experience in C&I, banking loans, deposits, lending techniques and practices. Knowledge of compliance with federal and state regulations pertaining to commercial banking. Strong knowledge of banking products and services. Excellent communication, interpersonal, consultative sales, and presentation skills. Business development, relationship management, and lead generation skills. Ability to effectively communicate and make effective presentations to prospective customers and company principals, existing customers, banking officials, and community leaders. Ability to handle multiple tasks simultaneously in a fast-paced, diverse, and growth-oriented environment. Occasional travel may be required for meetings/trainings. Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone.
Preferred Skills/Experience: Experience as a Credit Analyst/Underwriter/Portfolio Manager. Critical thinking and problem solving. Strong attention to detail and accuracy; professional and courteous communication skills. Ability to effectively communicate between key internal business partners.
SPECIFIC DUTIES AND RESPONSIBILITIES:
Customer Service: Strong emphasis on excellent customer service skills; ability to work effectively with both internal and external contacts. Maintains confidentiality in handling customer and bank information.
Financial: Proficient knowledge of commercial banking, economics, accounting, and finance
Administrative Duties: N/A
Autonomy: Ability to analyze and interpret data and formulate sound business decisions.
Employees Supervised: N/A
Budget Responsibility: N/A
The applicant who is selected for this position will be eligible for the following compensation and benefits:
- Targeted hiring range based on experience: $60,000 - $90,000. This range is an estimate based on potential employee qualifications and other considerations permitted by law under the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules.
- Bonus Eligibility: Annual bonus based on Company Bonus Plan/Individual Performance and is at the Company Discretion.
- Benefits: Medical, Dental, Vision insurance. Disability insurance. Employee assistance program. Flexible spending account. Health savings account. Life insurance.
- Paid Time Off: Vacation and sick leave, as well as paid Bank Holidays.
- 401(k): Company match begins with the first contribution and follows the company vesting schedule.
- Other: access to career training and development opportunities, employee discounts.
- For more about InBank and our culture, visit us here: Who We Are
InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws.
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