Private Banker I

Position Purpose:

·        This role works in partnership with the local Market Executive/President, Managing Director – RE Banking (Consumer RE Lending) and Managing Director - FCW to ensure their respective market meets its goals for portfolio management and growth in categories of residential real estate lending, small business banking, wealth referrals and core deposits.

Primary Responsibilities:

·        Meet or exceed loan production, deposit & wealth goals set by Senior Management through promoting the Bank’s products and services.

·        Identify loan & deposit opportunities for new and existing customers while managing current portfolio.

·        Identify wealth & trust opportunities in local market area and refer to designated wealth advisor.

·        Oversee Branch Supervisor and branch staff to ensure operational integrity of the office and the team is doing the day-to-day things in banking extremely well.

·        Conducts regular staff meetings, with Market Executive/President to ensure that goals and objectives are clearly communicated with branch staff; provides guidance and leadership to enable staff to meet these goals and objectives.

·        Maintains and develops positive relationships with existing and prospective clients, demonstrating excellent customer service when responding to customer inquiries and concerns.

·        Collaborates with Chief Brand Officer regarding advertising, marketing, and deposit growth campaigns.

·        Review overdrawn checking accounts daily for paid or returned checks, zero balance accounts, and daily balance report to ensure account retention and account funding of new relationships.

·        Contact current and potential bank customers by mail, phone or in person to solicit new business to meet specific goals as outlined.

·        Counsel customers regarding financial matters.

·        Prepare loan packages and present to Director – Commercial Banking & Consumer Risk for approval.

·        Call delinquent loan customers to arrange satisfactory payment arrangements.

·        Verify customer documentation is completed accurately and sent to the appropriate department for processing.

·        Builds relationships with customers, prospects, and coworkers by providing outstanding customer service.

·        Assist Loan Operations by securing proper documentation and manages loan process through closing of loan.

·        Performs other duties as requested by management.

Authority, Impact, Risk:

·        Check Cashing Authority, Official Check Authority, Wire Signing & Input Authority, Teller Override Approval Authority.

·        Regulatory examinations, Fair lending compliance, real estate secured disclosures.

·        Coordinate Branch coverage due to vacations, illness, and leaves of absence.

·        BSA, fraud, identity theft.

·        Failure to complete documents accurately could impact legality and collectability of loan and result in negative audits both internal and external and potential fines from Regulators for violation of regulations.

·        Timely follow up on documentation and close coordination with all parties involved in the loan is critical, failure to deliver on time could result in customer dissatisfaction and reputational risk.

·        Familiarity with FCB Credit Policy, pricing, and other pertinent regulations in the Bank’s Policy Manual.

·        Exercises good judgment that balances risk to customers and potential customers when making decisions.

·        Obtain general wealth training through First Carolina Wealth to be able to identify referral opportunities.

Key Relationships:

·        Close partnership with Market Executives/Presidents, Managing Director – Commercial Banking, Director – Commercial Banking & Consumer Risk, Managing Director – RE Banking, Managing Director – FCW, and Director – Treasury Management.

·        Partnership with Chief Banking Officer, Chief Credit Officer, Managing Director – General Banking, & Retail Operations Manager.  

·        Branch Supervisor, Universal Bankers and Wealth Administrator.

·        Routine interaction with department heads across Lending, Operations, IT, Risk, Sales, and Compliance and Marketing.

·        Board Members, Shareholders, customers.

·        Regulatory examiners as appropriate and directed by Senior Management.

Managerial Accountability:

·        Branch Supervisor

Working Conditions:

·        The incumbent in the course of performing the duties this position spends time writing, typing, speaking, listening, lifting (up to 20 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.

·        Ability to work under tight deadlines.

·        Excellent verbal and written communication.

·        Some travel.

·        Prepare presentations, conduct training, and hold meetings with branch staff.

·        May often be required to work outside of regular branch banking hours and more than 40-hours per week.

Time Allocation:

·        Loan, deposit & wealth prospecting referrals and production………………………………………….75%

·        Service existing loans/accounts…………….………………………………………………………………………….10%

·        Management ……………………………………………………………………………………………………………………15%

Job Specifications:

Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.

Required:

·        Bachelor’s Degree

·        1-5 years of progressive banking/lending/management experience

·        Exceptional human relations and communication skills

Preferred:

·        Familiar with lending functions and regulatory requirements

·        JHA Silverlake experience

·        JHA Synergy experience

Risk Management Requirements:

Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities