-
Develop new and expanding existing business banking relationships
-
Complete understanding of all financial products, target markets, and solutions with a strong emphasis on SBA and USDA credit, fee income, operating accounts, and treasury/cash management structure
-
Develop partnerships with Branch Managers, Treasury Management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest
-
Quickly establish a consistent SBA business development cadence in the marketplace which includes but is not limited to, Call Planning and Follow-Up, Client Retention Calls, New Client Prospecting, Outbound Telephone Calling Efforts, Networking Events
-
Responsible for sales, initial credit analysis, proper loan structuring (SBA loan packaging and submission)
-
Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk
-
Educates prospective clients about the Bank's underwriting guidelines, SBA programs and all applicable government regulations
-
Follow current loans to ensure complete compliance with terms
-
Proactively keep abreast of industry trends
-
75% of calls prospecting new clients and relationships
-
Achieve and exceed budget goals as assigned by Region
-
Actively participate in community affairs
-
Encourage clients to maintain their personal banking at Northwest
-
Manage Business Banking SBA portfolio of both credit and noncredit clients
-
Prepare electronic loan applications for submission to Credit
-
Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
-
Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis
-
Ensure noncredit clients have appropriate treasury management and other related commercial services
-
Ensure risk ratings are appropriate based on your knowledge of the client
-
As required, collect on delinquent accounts
-
Analyze financial statements and related credit material to assess risk on a continuous basis
-
Complete loan closings as required
-
Provide credit information and references for internal review as requested
-
Ensure all credit files include current financial statements, agency reports, etc.
-
Participate in continued sales and credit training
-
Complete all required Compliance training in a timely basis
-
Ensure compliance with all Regulatory requirements
-
Acts as a mentor for branch and partner SBA needs
-
Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
-
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
-
Work as part of a team
-
Work with on-site equipment