Small Business Banker II

Lancaster - Hempfield, PA0194 Centre Hall, PA0220 Erie - 8th & State, PA0445 Williamsport, PA0452 Luzerne, PA0725 State College Business Office

Job Description

The Small Business Banker II services a wide variety of business loans including commercial and industrial loans, SBA, and commercial real estate while working as part of a team with branches, credit, and product partners. This position develops meaningful relationships and engages in cross- selling credit and noncredit products as appropriate.

Essential Functions

• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
• Develop new and expanding existing small business relationships
• Consistently achieve 8-12% year over year net balance sheet growth on an annual basis depending upon market conditions and regional budget assignment
• Develop partnerships with Branch Managers, Treasury Management Advisors, Merchant Services and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest
• Call on potential or existing customers to develop new business as well as retain existing business with companies with revenues generally less than $10 million
• Engages in joint-calling activity with branch partners at a regular frequency
• Works to promote cross-sell behaviors personally and within assigned branch territory
• Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk
• Follow current loans to ensure complete compliance with terms
• Proactively keep abreast of industry trends
• 25% of calls prospecting new clients and relationships
• Achieve and exceed budget goals as assigned by Region
• Actively participate in community affairs
• Encourage clients to maintain their personal banking at Northwest
• Prepare electronic loan applications for submission to Credit
• Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
• Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis
• Ensure noncredit clients have appropriate treasury management, merchant services and other related commercial services
• Ensure risk ratings are appropriate based on your knowledge of the client
• As required, collect on delinquent accounts
• Analyze financial statements and related credit material to assess risk on a continuous basis
• Complete loan closings as required
• Provide credit information and references for internal review as requested
• Ensure all credit files include current financial statements, agency reports, etc.
• Participate in continued sales and credit training
• Complete all required Compliance training in a timely basis
• Ensure compliance with all Regulatory requirements
  
  

Qualifications

• Bachelor's Degree Business, Accounting, Finance, Economics, or Marketing preferred
• 5 - 6 years Business Banking/Branch Management experience with intensive Business Focus required
• Knowledge of all cash management services
• Knowledge of credit, SBA (Express, SBA 7a, and SBA 504), and noncredit services and products
• Knowledge of merchant services
  
  

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.