Business Banker

JOB DESCRIPTION

Employer                                                                      Department

Vallant Bank                                                Commercial

Job title                                                                    Exemption status              

Business Banker I                                        Exempt                   

Supervised by

SVP - Market Manager

Job Summary

The Business Banker I is responsible for:

~increasing bank assets by developing quality commercial loans and deposit accounts

~cross selling bank products and services to customers through telephone contacts and personal visits

~building long-term customer relationships

~maintaining a positive service mentality

~ensuring superior quality service in completing all customer transactions

~matching the financial needs that achieve those customer goals with product and service solutions

~demonstrating an accurate knowledge of the bank's products and services

The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Skills, Knowledge, Talents

Education

College Degree in Business Administration or related field

Successful completion of Large Bank Training program preferred.

Prior Experience

More than five years prior work experience in the same or related position, a working knowledge of credit evaluation, cash flow analysis, collateral values and lien perfection preferred.

Required Skills & Knowledge Skills

Must have a basic knowledge of the bank's products and services.

Must have a willingness to serve.

Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.

Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).

Project a professional image by adhering to guidelines in the employee handbook.

Must be able to collect, research, and analyze information skillfully.

Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.

Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.

Must be able to read credit reports and other tools necessary to accomplish position responsibilities.

Must know how to read financial statements to include the balance sheet, profit & loss statement, and cash flow statement.

Must be able to identify and interpret trends in financial data.

Must have a general knowledge of Generally Accepted Accounting Principles (GAAP) to include understanding the significant differences between Audited, Compiled, and Reviewed financial statements.

Must have a clear understanding of the concepts of working capital.  How is it defined?   What are the working capital accounts?  How does the operating cycle affect these accounts?

Must have a working knowledge of compliance guidelines for the bank and the industry.

Vallant Bank is an Equal Opportunity Employer and a Drug Free Workplace. As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received.  Vallant supports a diverse work force and welcomes all qualified applicants. It is the policy of Vallant Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age or any other legally protected status.