Business Banking Officer

3 months ago

Visalia, United States Westamerica Bank Full time
Job DescriptionJob DescriptionDescription:

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.


JOB SUMMARY: Under general managerial review: Achieves sales goal objectives by developing and managing a client portfolio. Provides customers with information and resolves banking problems. Promotes sales of bank services and products.
Financial Plan

  • Attend daily 8 am sales meeting.
  • Meet or exceed quarterly and annual deposit and loan production goals.
  • Generate non-interest income through the sale of fee-based services.
  • Consistently deliver excellence in service by adhering to the Bank’s service standards.
  • Adhere to the standards of the Bank’s sales culture as outlined in the current Sales Culture Handbook.

Business Development

  • Maintain weekly standard of 15 quality calls. Achieve a 2 to 1 prospect to client ratio.
  • Daily boxtime is required. A minimum of 3 prospect appointments for each calendar day must be obtained from each daily boxtime session.
  • Maintain a minimum of 4 pipeline and 7 pre-pipeline deals.
  • Fully utilize all aspects of Sales Logix and Hub Automation including all new releases and components (calendar, client/prospect files, etc.).
  • Develop new deposit and loan totals utilizing industry lead lists generated by the Marketing Department and/or other sources as directed by your RMM.
  • Work existing client base for business expansion and referrals.
  • Develop and leverage referral sources (CPA’s, Attorneys, Physicians, etc.). Position yourself as their banker of choice.
  • Generate 1 SPF referral per month.
  • Generate 2 third party referrals annually.
  • Generate 2 Business Elan applications per month.
  • Ensure maturing loans assigned to portfolio are renewed.
  • Maintain customer contact with all assigned borrowers to ensure loan retention, relationship expansion and proper pay down forecasting.
  • Work with borrower’s support contacts (CPA’s, attorneys, CFO’s, etc.) to gain referrals and to stay attuned to borrower’s plans.
  • Make yourself available to borrowers to ensure you are the banker of choice.
  • Utilize projected maturity report to renew/extend loans prior to maturity.

Leadership

  • Monitor and manage for BBO/BRM, assigned commercial loan portfolio to ensure retention and expansion.
  • Monitor and provide guidance on commercial lending protocols for BBO/BRM.

Compliance Related Activity

  • Adhere to Reg B/Flood requirements.
  • Complete all assigned tutorials and Compliance Training.
  • Focus on Majority/Minority census tracts as assigned by RMM.
  • Focus on Small Business/Small Farm loans assigned goals.
  • Meet CRA Hours.
  • Meet new CRA loan production goals.
  • Renew all assigned existing CRA loans/lines.
  • Answer regulatory questions correctly during Audit/Branch Review.

Ownership, Accountability and Work Habits

  • Attend daily sales meetings; provide mentoring and encouragement as appropriate.
  • As directed by RMM, manage problem loans to minimize risk. Communicate status and developments to RMM.
  • Communicate problems, successes and challenges to RMM and Credit Hub on a timely basis.
  • Attend two seminars/functions during the year to promote WAB in the community and develop new business.
  • Adhere to the Bank’s Guiding Principles; integrate into all that you do.
  • Become involved in one community organization which will help build our image as a community bank and you as a community banker, while recognizing CRA service hours opportunities.
  • Meet attendance guidelines.

MINIMUM KNOWLEDGE, PRIOR WORK EXPERIENCE, AND SKILLS NEEDED TO PERFORM JOB FUNCTIONS:

Previous sales management experience, commercial underwriting and credit experience. Applicant must possess excellent communication, interpersonal, organizational, business development and marketing skills. Four-year college degree preferred. For purposes of business travel, a valid driver’s license as well as a personal vehicle to drive is required.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job.

  • Constant travel to conduct outside sales calls.
  • Works non-standard business hours.
  • Drives to sales calls. Must maintain a current driver’s license and proof of insurance.

MENTAL DEMANDS:

  • Effectively communicate with clients and prospects.
  • Retain and shares knowledge of WAB products, services and fees.
  • Obtain enough confidential data to identify client’s financial status.
  • Identify additional service opportunities.
  • Apply basic math skills to determine fees and saving opportunities.
  • Formulate sales action plans.

EQUIPMENT USED TO PERFORM FUNCTIONS:10-key machine, fax, photocopier, Microsoft based computers, smart phones.
DECISION MAKING:

  • Identifies business needs of clients and prospects and identifies ways WAB can meet those requirements.
  • Negotiates service terms and fees of business relationships to provide acceptable return on investment for Bank and client.
  • Determines best service instrument or combination of accounts that provides client with greatest potential to realize financial expectations.
  • Selects methods to improve sales/marketing skills of subordinate staff.
  • Structures credits based on client needs and available bank products.

SUPERVISORY RESPONSIBILITY:

Directly Supervised:Depends on size of branch

Supervised by Subordinates:Depends on size of branch

Requirements:


EOE

Westamerica Bank's Privacy Policy may be found at: www.westamerica.com/about/privacy

  • Business Office Administrator

    2 months ago

    Visalia, United States Milk Specialties Global Full time

    The Business Office Administrator has the responsibility for managing office and plant business systems and developing process improvements to support and maintain timely and accurate information flow. Essential Functions:  Evaluate existing inventory, product flow, developing process improvements to sustain timely and accurate information flow. ...

  • Office Representative

    2 weeks ago

    Visalia, United States Nate Wingert - State Farm Agent Full time

    Position OverviewI am a local State Farm Insurance Agent looking to hire an outgoing and customer-focused individual who enjoys working with the public. Do you aspire to some day run your own business, be an advisor looked to in your community, and lead a team? As part of my successful team, I will assist in developing your business leadership skills,...

  • Office Manager

    3 weeks ago

    Visalia, United States Right at Home Visalia Full time $18 - $25

    Job DescriptionJob DescriptionBenefits:Bonus based on performanceCompany carCompetitive salaryFlexible scheduleHealth insuranceOpportunity for advancementTraining & development401(k)Company parties Are you looking for a challenging role that allows you to bring strategic vision to life? Are you energized by achieving business goals, managing top performing...

  • Office Representative

    2 weeks ago

    Visalia, United States Nate Wingert - State Farm Agent Full time $3,600 - $8,000

    Job DescriptionJob DescriptionPosition OverviewI am a local State Farm Insurance Agent looking to hire an outgoing and customer-focused individual who enjoys working with the public. Do you aspire to some day run your own business, be an advisor looked to in your community, and lead a team? As part of my successful team, I will assist in developing your...

  • Business Operations Coordinator

    2 weeks ago

    Visalia, California, United States Milk Specialties Global Full time

    Job SummaryMilk Specialties Global is seeking a highly skilled Business Office Administrator to join our team. The successful candidate will be responsible for managing office and plant business systems, developing process improvements, and ensuring timely and accurate information flow.Key ResponsibilitiesProcess Improvement: Evaluate existing inventory and...

  • Business Operations Coordinator

    6 days ago

    Visalia, California, United States Milk Specialties Global Full time

    Job SummaryMilk Specialties Global is seeking a highly skilled Business Office Administrator to join our team. The successful candidate will be responsible for managing office and plant business systems, developing process improvements, and ensuring timely and accurate information flow.Key ResponsibilitiesProcess Improvement: Evaluate existing inventory and...

  • Management Trainee

    1 month ago

    Visalia, United States Business Marketing Firm Full time

    Job DescriptionJob DescriptionWe are urgently hiring for a Management Trainee to start with one of the most ICONIC  Fresno business firms! We are a business development and account management firm located in the best city, Fresno. Over the past decade, we have partnered up with brands that have become household names. As a result, we have directly...

  • Office Management Assistant

    6 days ago

    Visalia, California, United States Milk Specialties Global Full time

    Job SummaryMilk Specialties Global is seeking a highly skilled Business Office Administrator to join our team. The successful candidate will be responsible for managing office and plant business systems, developing process improvements, and ensuring timely and accurate information flow.Key ResponsibilitiesProcess Improvement: Evaluate existing inventory and...

  • Chief Financial Officer

    5 days ago

    Visalia, United States B2B CFO Full time

    Seeking An Experienced CFOAre you a driven and entrepreneurial CFO with experience in helping business owners improve their business? Would you like to guide business owners in selling or buying privately held companies? Would you like to be rewarded for your skill and experience? Are you seeking a unique opportunity to control your career while building a...

  • Environmental Health Professional

    6 days ago

    Visalia, California, United States Boretti, Inc. - Business Safety Solutions Full time

    Job DescriptionOverviewBoretti, Inc. - Business Safety Solutions is seeking a highly skilled and experienced Safety Consultant to join our team. As a key member of our organization, you will be responsible for providing comprehensive safety support to our clients, ensuring their workplaces are safe and compliant with regulatory requirements.Key...

  • Full Charge Bookkeeper

    2 weeks ago

    Visalia, United States Pinnacle Recruitment Services Full time $55,000 - $65,000

    Job DescriptionJob DescriptionFull Charge Bookkeeper Position Summary: We are seeking an experienced and detail-oriented Full Charge Bookkeeper to join our team in the agriculture industry. The ideal candidate will have a strong background in accounting and bookkeeping, with specific experience in the agricultural sector. This role is responsible for...

  • Account Representative

    7 days ago

    Visalia, United States Nate Wingert - State Farm Agent Full time

    Job DescriptionJob DescriptionROLE DESCRIPTION:The Nate Wingert State Farm Agency is growing! We love what we do, and we are excited to discover and add the next enthusiastic member of our sales team!I am Nate, a local State Farm Insurance Agent for the past 11 years, and I am seeking an outgoing and customer-focused individual who enjoys working with the...

  • Property Manager

    3 months ago

    Visalia, United States Community Holdings Management LLC Full time

    Job DescriptionJob DescriptionDescription:Job DescriptionThe Property Manager is totally accountable for all property operations. All units are income restricted and further restricted to persons living with disabilities who can benefit from the services offered at the site. The duty of the Property Manager is to effectively manage the Community Holdings...

  • Accounts Payable/Receivable Clerk

    4 weeks ago

    Visalia, United States Grapevine MSP Technology Services Full time

    Job DescriptionJob DescriptionOur Grapevine MSP Technology Visalia office is looking for a detail-oriented and reliable Accounting Clerk to join our team.The successful candidate will be responsible for processing various financial transactions, maintaining accurate financial records, and supporting the accounting department; this is an excellent opportunity...

  • Accounts Payable/Receivable Clerk

    4 weeks ago

    Visalia, United States Grapevine MSP Technology Services Full time

    Job DescriptionJob DescriptionOur Grapevine MSP Technology Visalia office is looking for a detail-oriented and reliable Accounting Clerk to join our team.The successful candidate will be responsible for processing various financial transactions, maintaining accurate financial records, and supporting the accounting department; this is an excellent opportunity...

  • Financial Manager

    6 days ago

    Visalia, California, United States Creative Financial Staffing Full time

    Accounting Manager RoleAbout the Company:We are a rapidly growing service company with a strong presence in California, committed to delivering exceptional service to our customers.We offer a dynamic work environment with opportunities for growth and professional development.We prioritize work-life balance and provide flexible scheduling options to support...

  • Retail Relationship Banker

    6 days ago

    Visalia, California, United States BMO Financial Group Full time

    About the RoleWe are seeking a highly skilled and motivated Retail Relationship Banker to join our team at BMO Financial Group. As a key member of our branch team, you will be responsible for delivering exceptional customer service and providing financial solutions to our clients.Key ResponsibilitiesCustomer Service: Provide personalized service to our...

  • Customer Service Representative

    2 weeks ago

    Visalia, United States Community Choice Financial Family of Brands Full time

    Job Description Overview: At California Check Cashing Stores, we’re more than a financial service provider; we’re a trusted ally for hard-working customers who are seeking quick and reliable financial solutions. As a Customer Service Representative, you’ll play a pivotal role in our fast-paced environment by building connections with our diverse...

  • Accounting Specialist

    4 weeks ago

    Visalia, United States PrideStaff - Visalia, CA Full time $24 - $39

    Job DescriptionJob DescriptionAG Client in the Kingsburg area is seeking an Accounting Specialist to become an integral part of their team! You will compile data, compute charges, and prepare invoices.Responsibilities:Calculate costs of goods and servicesTrack and record deliveries to customersDistribute invoices for sales review Keep accurate...

  • Accounting Specialist

    3 weeks ago

    Visalia, United States PrideStaff - Visalia, CA Full time $24 - $39

    Job DescriptionJob DescriptionAG Client in the Kingsburg area is seeking an Accounting Specialist to become an integral part of their team! You will compile data, compute charges, and prepare invoices.Responsibilities:Calculate costs of goods and servicesTrack and record deliveries to customersDistribute invoices for sales reviewKeep accurate records in...