IncredibleBank

TITLE VP, Business Banking Officer

CATEGORY Business Banking

DESCRIPTION

We know what you're thinking. "What kind of name is IncredibleBank?"Well, we're glad you asked.With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.So - how can you help us live up to our name?About the RoleWe are eager to discuss the prospect of you joining our team as our next incredible team member!This position reports to the VP, Business Banking Sales Manager and allows you to partner with other team members and key stakeholders to provide Incredible Customer Experiences of your own! Duties and responsibilities may include:Prospect and generate new commercial and SBA business through various sales activities, including outside calling, networking, community events, online sales techniques, and referral partnerships.Promote and cross-sell other Bank products and services to meet customer needs, such as business and non-business deposit accounts, credit cards, mortgage loans, and cash management products.Serve as an ambassador of the IncredibleBank brand, enhancing the Bank's reputation and developing additional business opportunities and centers of influence.Independently negotiate complex terms and conditions of all types of commercial and SBA loans.Review loan requests and credit histories, prepare proposed credit memos with recommendations for loan pricing and terms, in collaboration with Business Banking management and/or the Credit department.Assists and partners with the credit team to underwrite loan requests by conducting detailed financial data analysis to determine if proposed applications meet the Bank's lending criteria and policies.Monitor the commercial loan portfolio to maintain acceptable risk levels in accordance with Bank loan policy, utilizing proper credit risk rating, credit analysis, and loan structure to ensure early identification of potential issues and accurate risk ratings.Maximize portfolio profitability through appropriate pricing of new loan originations, fee income, and selling of all Bank products and services.Maintain accountability for achieving annual production goals, which are subject to change per annual review practices. Metrics include conventional and Government guaranteed loan production, deposit growth, and referrals to other Bank partners.Maintain constructive and positive relationships with loan applicants, borrowers, their representatives, referral sources, and Bank partners, delivering ICE both internally and externally.Ensure compliance with banking regulations and internal SOPs including SBA SOPs in all client interactions.This is a regular full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary between the hours of 8:00 am to 5:30 pm EST Monday through Friday.This position will work on-site at one of our IncredibleBank branch locations in Marquette, MI. Frequent travel will be required based on business and/or customer needs.About YouYou do what is right over what is easy. You don't settle for good enough. You're driven to learn and grow. You recognize your impact on the customer experience, regardless of your role.Those attributes are just a few things o