Share this Job

Business Banker

Date: Sep 8, 2022

Location: Hickory, NC, US, 28601

Company: United Bank

Job Description

The Business Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures. A Business Banker's main focus is on loan amounts of less than $1 million.


RESPONSIBILITIES:

  • Analyze loan markets to develop new prospects for loans
  • Maintain and develop positive, professional relationships with customers and continue communication for growth of portfolio. Foster customer relationships through routine calls and meeting activity and develops new Business Baking relationship opportunities through business development activities.
  • Analyze applicant’s financial status, credit and property evaluation to determine feasibility of loan request 
  • Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered
  • Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
  • Ensures loan closing and funding activities occur timely
  • Identify complex situations, review related information to evaluate and develop an acceptable solution
  • Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies 
  • Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships.
  • Maintain a deep understanding of banking products/services in order to make appropriate recommendations.
  • Administer all referrals and direct meetings and business development opportunities.
  • Ensure compliance to all standards and policies and ensure secure transaction for customers.

Qualifications

  • Bachelor’s degree required, preferably in business, finance or another related field
  • Minimum of two (2) years of related Banking experience required, preferably as a Commercial or Small Business Lender
  • Must have formal credit analysis training or sufficient lending experience
  • Thorough knowledge of the Business Banking scoring system known as Paynet and Absolute Probability of Default is desired
  • Proficiency in Microsoft Office Products is required
  • Demonstrated ability to grow and management customer relationships
  • Ability to organize and analyze complex financial data
  • Knowledge and understanding of all federal and state regulations regarding lending and related departments.
  • Excellent analytical and mathematical skills and ability to make a credit decision
  • Excellent verbal and written communication skills
  • Demonstrated high level of professionalism and maturity
  • Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development.
  • Minimal travel within the assigned market is required.

 

KEY COMPETENCIES:

  • Entrepreneurial Spirit
  • Relationship Building
  • Communication Skills
  • Business Development
  • Customer Service Focused

 

Essential Functions:  

  • Sitting or standing for extended periods of time.
  • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
  • Ability to converse and exchange information with all levels of staff within organization.
  • Ability to observe, perceive, identify, and translate data
  • Ability to travel via air, rail, automobile and/or bus.

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.


Nearest Major Market: Hickory

Job Segment: Real Estate, Bank, Banking, Credit Analyst, Banker, Sales, Finance