Business Banker II

Employer
First Citizens Bank & Trust Company
Location
Columbia, MD
Posted
May 17, 2018
Closes
May 21, 2018
Function
Analyst, Business
Hours
Full Time
Position Description: Supports the Banks mission through effective sales and service, targeted business development efforts and community involvement. The Business Banker (BB) is responsible for developing and managing business banking relationships in accordance with FCBs core values and prescribed sales process in an assigned area. Primary focus is on loan and deposit production and fee income generation.The position manages a large portfolio of business relationships and serves as the primary contact for borrowing needs while engaging bank partners to help provide business services to meet the customers full range of needs. The BB II targets business customers with loan needs from $500,000 -$2,000,000; however, the BB II may manage larger relationships as approved by his/her manager and in conjunction with appropriate support from Credit Administration.Sales: Develop & implement a business banking sales plan to achieve monthly sales and profitability objectives outlined in the Banks sales program expectations. Identify needs and sell all bank products to broaden and deepen relationships with customers and prospects, adhering to the Banks prescribed sales process. Utilize bank sales tool. Develop and utilize centers of influence to help generate referrals.Portfolio Management: Manage a portfolio of larger business credits and provide financial solutions that address client needs. Maintain high level of product knowledge to enable the sale of lending, deposit and business services products, and the referral of retail and wealth products. Prepare credit packages for review and approval by credit partners. Perform loan servicing duties to ensure conformity with loan terms and conditions. Assist in collection of loan delinquencies in a timely manner. Interview loan applicants and originate loans for centralized approval. Recommend appropriate denied loans for exception approval.Risk Mitigation/Compliance: Monitor portfolio performance take action necessary to ensure compliance with goals/standards for watch list credits, charge offs, loan documentation exceptions, loan servicing expectations and CRA activity. Escalate problem loans as needed. Complete all required compliance and credit training and adhere to all compliance policy.Partnerships: Maintain a productive working relationship with Business Services partners and other corporate divisions, bringing sales partners into client relationships as needed to manage the total financial services relationship for our customers and prospects.Community: Represent the Bank in various civic and community functions to further enhance the Bank's image and development of additional business. Position Requirements: Bachelor degree with a minimum of 3 years experience in commercial or business lending, commercial or business banking, or commercial real estate.-Or-High school diploma or GED with a minimum of 7 years experience in commercial or business lending, commercial or business banking, or commercial real estate.Other Preferred Qualifications:Must have a valid drivers licenseBusiness development experience.Financial analysis and credit underwriting skills. Company Description:Founded in 1898 and headquartered in Raleigh, NC, First Citizens Bank serves customers in 18 states and the District of Columbia. For over 100 years, customers have trusted First Citizens with their money and their futures. Today, First Citizens is the largest family-controlled bank in the nation and the sixth-largest bank franchise headquartered in the Southeast with more than $30 billion in assets. We employ more than 6,000 associates who are focused on helping our customers achieve a lifetime of success. First Citizens operates more than 570 branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, New Mexico, Missouri, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington and West Virginia.First Citizens Bank. Forever First(R). Member FDIC.Equal Opportunity/Affirmative Action Employer/Minority/Female/Disability/VeteranIf you need special assistance or an accommodation in applying for employment at First Citizens Bank, please contact our Human Resources department.

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