Small Business Banker

5 days ago

West Des Moines, United States Midwest Heritage Full time

At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Midwest Heritage

Job Title: Small Business Banker

Department: Banking

FLSA: Exempt

General Function:

The Business Banker is responsible for developing and managing relationships with small to medium-sized business clients. This role involves providing financial advice, offering tailored banking solutions and excellent customer service. The Business Banker will work with the retail team to grow the bank's portfolio by attracting new business clients and deepening existing relationships.

Core Competencies

  • Client Relationship Management
  • Business Development
  • Product Knowledge
  • Customer Service
Reporting Relations:

Accountable and Reports to: Vice President, Retail Sales Manager

Positions that Report to you: Assistant Bank Manager

Primary Duties and Responsibilities:
  • Open all types of deposit accounts for consumers and business customers.
  • Develop and maintain strong relationships with business clients.
  • Understand clients' financial needs and provide appropriate banking products and services.
  • Conduct regular client meetings to review financial status and offer personalized advice.
  • Promotes competent, motivated retail staff through training, counseling, supervision, and review of department activity and results.
  • Participate in networking events and community activities to build a presence in the local business community.
  • Collaborate with internal teams to cross-sell products and services.
  • Analyze clients' financial statements, credit reports, and other relevant data.
  • Provide insights and recommendations on financial strategies and solutions.
  • Prepare and present loan proposals and credit analysis to credit committees.
  • Stay updated on the bank's products, services, and market trends.
  • Achieve sales targets and contribute to the overall profitability of the bank.
  • Ensure compliance with banking regulations, policies, and procedures.
  • Monitor and manage risks associated with client portfolios.
  • Provide exceptional customer service to ensure client satisfaction and retention.
  • Handle client inquiries, complaints, and issues promptly and professionally.
Secondary Duties and Responsibilities:
  • Other duties as assigned
Knowledge, Skills, Abilities, and Worker Characteristics:
  • Commitment to the Midwest Heritage mission and willingness to promote the values of the organization.
  • Strong organizational and time management skills with the ability to prioritize multiple tasks and meet deadlines.
  • Proficient computer skills. Microsoft Office preferred (Outlook, Power Point, Excel and Word.)
  • Good verbal and written communication skills.
  • Strong interpersonal skills; ability to relate to and interact with people in a friendly, professional manner.
  • Strong detail orientation including the ability to review forms for accuracy and completeness.
Education and Experience:
  • Bachelor's degree in finance, business administration, or a related field preferred.
  • Minimum two years of experience in banking with a focus on business banking or commercial lending.
Physical Requirements:
  • This position is classified sedentary/light and requires the ability to sit for long periods of time.
  • Visual requirements include: ability to see detail at near range with or without correction.
  • Must be able to perform the following physical activities: sitting for long periods, talking (in person and by telephone), hearing and repetitive motions.
Working Conditions:
  • The duties of this position are normally performed in a general office setting. This is a fast paced work environment.
  • There is frequent pressure to meet deadlines and handle multiple projects in a day.
  • Minimal Travel.


Equipment Used to Perform Job:

Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.

Contacts:

This position works with Midwest Heritage employees, bank customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage.

Confidentiality:

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.

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