Senior Credit Risk Analyst Jobs in Keystone Heights, FL

• Responsible for business development, relationship management and client experience of companies with annual gross sales of at least $2MM and generally less than $10MM.
• Assist the business owner in achieving their financial goals by providing smart financial solutions for both personal and business needs.
• Serve as a trusted advisor for these businesses; collaborate with a team of product partners utilizing the One Bank Sales Cycle to understand the clients'/prospects holistic business needs.
• Through such collaboration, develop revenue growth by identifying needs and providing needs based solutions and services to the client.
• Services would include loans, deposits, treasury management, and all other applicable banking services.
• Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.
• Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience.
• Achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
• Prospect for new clients by utilizing referral sources, existing clients, financial centers and centers of influence.
• Work with product partners to analyze, evaluate and develop a tailored relationship strategy for each client or prospect.
• Attend community and/or specific industry forums, conferences and/or meetings in order to broaden relationship networks, referral sources and continually deepen knowledge of trends, practices, services and the competitive landscape.
• Effectively retain and grow long term profitable "Lead" client relationships.
• Cross-sell all applicable 5/3 products and services to an existing portfolio of business customers and their owners/senior management.
• Responsible for planning and conducting relationship strategy and relationship review meetings with product partners.
• Coordinate all client-facing activities including credit support and other product partners.
• Conduct thorough effective pre-call planning, One Bank Consultative Sales approach and prompt post call follow up.
• Utilize the Bank's Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.
• Partner with Portfolio Managers and Credit Officers on credit requests and adhere to established Portfolio Management guidelines.
• Achieve credit standards and metrics in regard to asset quality, credit administration.
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to ensure credit exposure is at an acceptable risk, and priced accordingly.
• Complete administrative responsibilities in a timely manner.

• Bachelor's degree required or equivalent work experience.
• Minimum of 3 years sales experience; minimum of 3 years managing business banking or commercial relationships preferred.
• Formalized credit training or equivalent credit risk experience required.
• Underwriting experience preferred.
• Proven ability to build new and existing client business and provide a positive client experience.
• Strong business acumen, to include detailed analysis, review of financial statements and knowledge in advanced accounting principles.
• Thorough knowledge of Commercial & Treasury Management services as well as alternative lending and financing options.
• Ability to assess client needs, drivers of profitability, and corporate/personal life cycle optimizing financial solutions.
• Uses effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
• Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations and group presentations.
• Champions the Bancorp vision and core-values through personal actions and leadership influence to promote high-performing work groups.
• Proven ability to work in a team-based sales environment.
• Must be proficient in all Microsoft Office software; familiarity with prospecting and CRM sales tools preferred.

Demonstrates expertise in business development and relationship management, focusing on providing tailored financial solutions for clients with annual gross sales between $2MM and $10MM. Proficient in analyzing financial statements, managing credit risk, and utilizing CRM systems to enhance client experience and drive revenue growth.

• Business Development
• Client Relationship Management
• Credit Risk Assessment
• Commercial & Treasury Management Services
• Financial Analysis

• Sales Experience
• Credit Training
• Underwriting
• Financial Statement Analysis
• Advanced Accounting Principles

• Problem Solving
• Analytical Skills
• Verbal Communication
• Written Communication
• Team Collaboration

• Bachelor's Degree

• Commercial Banking
• Treasury Management
• Alternative Lending
• Financial Solutions
• Risk Management

• Customer Relationship Management (CRM) System
• Microsoft Office