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Commercial Banker (Location: Marietta, GA)

Company: Vystar Credit Union
Location: Marietta
Posted on: April 3, 2024

Job Description:

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.We encourage you to become a part of VyStar Credit Union's family of employees.Commercial Banker (Location: Marietta, GA)ACCOUNTABILITY STATEMENT The Commercial Banker role will develop, deepen and retain business member relationships within an assigned geographic region or market while managing a business/commercial loan portfolio through prospecting, cross-selling, relationship management efforts, and excellent member service. This will include sourcing and managing complex business loan relationships for businesses and commercial entities with revenues greater than $1.5 million and business lending needs greater than $500,000 up to $20,000,000, while cross-selling additional products and services, and successfully transferring smaller relationships to a Small Business Banker. This position delivers a full range of business banking services to businesses and business owners, and places emphasis on member engagement, sales, and service. The position requires significant outside business development and relationship management activities. In addition, the Commercial Banker will mentor, coach and develop Business Relationship Bankers and Small Business Bankers in the department as well as actively participate in any applicable training efforts. The Commercial Banker will be responsible for professionally handling business services inquiries and referrals from existing members, non-members, and internal and external sources. This position receives minimal supervision with daily responsibilities and is expected to independently resolve problems or situations relating to business members within assigned portfolio, following established policies and procedures while meeting all goals and objectives.ESSENTIAL JOB FUNCTIONS***The Commercial Banker will be based in Marietta, GA. Must be open to travel within an assigned territory as needed.***

  • Build and deepen relationships with new and existing business members with revenues $1.5 million or greater and business lending needs up to $20,000,000.
  • Achieve individual quarterly/annual production and growth goals of both business loans and deposits to ensure VyStar meets its' overall financial goals and objectives.
  • Actively mentor, coach and develop Business Bankers within the department while achieving and exceeding all personal goals and objectives.
  • Actively participate and contribute in any training and product knowledge conference calls, sessions or meetings.
  • Effectively negotiate terms and conditions of business loans with existing and potential members.
  • Review businesses financial statements, tax returns and supporting documentation, and properly package loan requests for underwriting.
  • Assume responsibility for proper documentation and data integrity throughout the loan origination, annual review and renewal process.
  • Actively develop and execute outbound calling strategies to successfully acquire, manage and grow profitable business relationships.
  • Collaborate with Small Business Banker partners and branch colleagues to support and drive business membership growth.
  • Maintain an advanced understanding of all business credit facilities including, but not limited to: Commercial Real Estate (CRE), Business Lines of Credit, business equipment/vehicle loans and unsecured financing.
  • Remain informed of VyStar's credit standards, pricing structure, loan policies and procedures, member service practices and other information fundamental to the successful execution of the Business Relationship Banker job duties and responsibilities.
  • Accurately and consistently monitor, maintain and update sales activity, pipeline, and other pertinent information using the VyStar's contact management system.
  • Represent VyStar in the community by actively participating in civic affairs and local and professional organizations to identify and develop new clients and enhance the credit union's image and commitment to the local community.
  • Interact effectively with Business Services portfolio management, credit underwriting and servicing departments to efficiently process loan requests, renewals and any other credit related activities.
  • Actively call on existing business members within assigned portfolio to ensure that members' needs are being met and appropriate solutions are presented.
  • Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, and VyStar in general.
  • Maintain an in-depth knowledge of VyStar's business services products and services.
  • Effectively handle incoming business services inquires and referrals from branches, call center and other internal partners.
  • Leverage problem-solving and strong communication skills to resolve business member issues and disputes.
  • Present a professional, friendly and helpful appearance with every interaction as a representative of VyStar and the Business Services team.
    • Adhere to VyStar Credit Union and departmental policies and procedures with regards to attendance, daily schedules, action items and reporting requirements.
    • Demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.
      • Focus - Focus your full attention by carefully listening to and observing your client or member.
        • Connect - Consistently be friendly and approachable. Demonstrate you care.
          • Understand - Listen empathetically and ask questions. (70%/30%)
            • Counsel - Recommend solutions based on your client's or member's needs and objectives.
              • Advance - Ensure that member's expectations were exceeded.
                • Meet and exceed VyStar Credit Union member service goals and objectives.
                • Meet and exceed VyStar Credit Union production goals and objectives.
                  • Perform other essential job-related duties as assigned by Chief Business Services Officer or VP Business Banking Sales.JOB KNOWLEDGE, SKILLS & ABILITIES
                    • Minimum eight (8) years lending experience in business or commercial credit.
                    • Minimum five (5) years of experience in business services or business/commercial banking in either sales or a sales support role.
                    • Minimum of three (3) years of branch sales experience or equivalent financial services sales experience with proven success in establishing new customers and members, loan/deposit growth, and the ability to deliver results.
                    • Must have an advanced understanding of business/commercial credit, deposit, and related products and services.
                    • Must have an advanced understanding of business/personal financial statements and tax returns to identify credit worthiness and identifying risk potential.
                    • Must have an advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage and solvency.
                    • Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value.
                    • Work requires a broad level of professional experience in commercial lending to include thorough knowledge of commercial underwriting, servicing and portfolio management.
                    • Proven track record of success and skills in developing new clients and business, including pro-active prospecting, sourcing and networking.
                    • Excellent verbal and written communication and negotiation skills.
                    • Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment.
                    • Aptitude to source and build new business relationships.
                    • Proficiency with Microsoft products including Word, Excel, PowerPoint and Outlook.EDUCATION
                      • Required: Bachelor's Degree
                      • Required: Comparable experience in a financial institution may be substituted for a college degree at the rate; two years of experience for one year of education
                      • Required: Formal business/commercial credit trainingDISCLAIMERS AND WORK ENVIRONMENTNothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union. No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.Thank you again for your interest in this position!VyStar Credit Union Human Resources

Keywords: Vystar Credit Union, Marietta , Commercial Banker (Location: Marietta, GA), Other , Marietta, Georgia

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