Business Banker Waterville, ME (http://maps.google.com/maps?q=Waterville+ME+USA+04901) Description POSITION SUMMARY:This position is responsible for growing, maintaining and actively managing a portfolio of business relationships by meeting the customer’s financial needs; acting as a business deposit and loan product specialist; and acquiring new business customers by calling on prospects to establish new business deposit, loans, and services and cross selling to existing business customers. KEY RESPONSIBILITIES: Deposit Growth:Collaborate closely with the branches and the Business Account Management (BAM) team to generate new deposit customers and expand the deposit relationship with existing customers. + Initiate the cross selling of merchant bankcard, ACH, credit cards, wire transfers, and other deposit services. + Meet or exceed established objectives for deposit growth. Loan origination: Originate new small business loans according to established Bank policy and procedures; Provide quality customer service throughout the loan origination process, and meet or exceed established standards for customer service. Interview and counsel loan customers, matching the financing needs of the customer to the various loan programs offered by the Bank. Respond in a professional manner to questions regarding rates, policies and practices of the Bank relative to small business lending. Obtain required documentation such as financial statements, tax returns, projections, business plans, and other financial information. Review and analyze the loan application and all related supporting information on the borrower and, where applicable, the property or other collateral. Determine appropriate loan structure and terms/conditions and approve loans within the limits of their lending authority. Refer all loans above their authority to the Director of Business Banking (or their designee) with a recommendation for approval according to established Bank policy. Review all documentation for loan closings to ensure completeness and compliance with all Bank requirements; oversee closing of loans originated. Refer questions or problems to the Director of Business Banking. + Comply with all Federal and State banking and accounting regulations and all Bank and department policies and procedures. + Meet or exceed budgeted loan origination for number of loans and dollars to support loan growth objectives as well as established standards for Business Banker performance. Business development:Establish and maintain relationships with local contacts, including realtors, professionals (accountants and lawyers), businesses, business brokers, and other centers of influence within the Bank's market area through direct calls, business gatherings and other functions to actively solicit new business for the Bank. Keep these referral sources current on the benefits of working with the Bank, inform them of any new lending or deposit programs offered by the Bank and inquire about the credit needs/concerns in the community. Actively build the Bank’s customer base and market share. Build customer loyalty, attract, grow and retain customer relationships and introduce the full breadth of KSB products and solutions to deepen relationships through needs-based advice. Demonstrate an understanding of customer industry and through discovery, learn more about the customer’s business operations to present solutions that directly address their banking needs, Promptly respond to customer inquiries and evaluate their needs; suggest Bank products/services to customers to meet their needs. Establish accounts or make referrals to other Bank personnel as appropriate. + Meet or exceed established goals for business development. Portfolio management:Monitor the status of an assigned portfolio of commercial relationships. Ensure that all credit administration follow-up, officer memos, and up-to-date documentation is received on a timely basis (including but not limited to tax returns, financial statements, etc.). Work with the Director of Business Banking as appropriate if potential problems are noted. Periodically communicate with customers to monitor use of the loan funds and the status of the business, to determine if other banking needs exist and to ensure consistent customer satisfaction. + Discuss new opportunities or customer problems with the Director of Business Banking; recommend follow-up action as appropriate. + Work closely with the Collection Officer on any past due or deteriorating credit relationships. + Maintain timely and accurate risk ratings in conjunction with the Bank’s published risk rating system. Support Bank products/services:Maintain knowledge of current KSB deposit, cash management, lending and investment products and related services. Actively utilize as many Bank products and services as possible in order to fully understand their features and benefits and to be able to communicate effectively with customers and prospective customers. Talk to customers and listen for “cues and clues” to determine needs; respond to customer inquiries and evaluate their needs; suggest Bank products/services to customers to meet their needs; make referrals to other Bank personnel as appropriate. Community/public relations:Actively participate in community organizations and events. Represent the Bank in the community. Other outside activities:Actively participate in industry trade group meetings, educational webinars and other educational programs to remain abreast of current issues and requirements affecting Business Banking activities and/or job performance. Management committees:Participate in all Bank-wide meetings, staff meetings, and business banking and loan meetings, as requested. Other duties:Demonstrate reliable attendance and punctuality. Work at other Bank branches as needed for customer service, operational, or training purposes. Attend internal and external training to improve skills and knowledge relevant to the business banker position. Understand and fully comply with Kennebec Savings Bank’sCore Values. Perform other duties as required. POSITIONS REPORTING TO THIS POSITION: + None Requirements EDUCATION/EXPERIENCE REQUIRED: + Bachelor’s degree with concentration in business or finance and/or equivalent work experience with the completion of introductory accounting course. + 3 to 5 years of business banking experience, progressively more experience in business banking and business development preferred. + Working knowledge of commercial lending and portfolio management. + Solid experience in interpreting financial statements relative to commercial lending. + Experience in managing a business customer relationship. + Computer literate, with specific experience in word processing and spreadsheet applications. OTHER REQUIREMENTS: + Must possess a valid driver’s license, the use of a serviceable automobile that is properly registered and proper liability automobile insurance as required by state law. + Must be able to lift files or other documents of approximately 20 pounds. + Must have strong written communications skills, including letter and report-writing ability. + Must have public speaking ability. + Must be able to read and work with computer print-out reports. + Must be able to stand or sit for extended periods of time while waiting on customers. + Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor. + Must be able use the telephone to converse with customers for extended periods of time; must be able to communicate clearly by telephone; must have good listening ability and skills. + Must have strong written communications skills, including letter and report-writing ability. + Must be able to prioritize and organize workflow; must have good attention to detail; must be able to handle multiple jobs. + Must have the ability to think through a problem, following proper steps in finding resolution. + Must have a high degree of ethics and maintain confidentiality of customers and accounts. + Must be friendly, courteous, and sensitive to the needs of customers and coworkers.