Financial Advisor

4 weeks ago

Charlotte, United States Pinnacle Bank Full time


At Pinnacle, our goal is to create an atmosphere where people become fully engaged, enjoy what they're doing and be successful. We work to ensure that every associate embraces what makes Pinnacle different and unique. For us, it starts with hiring the right people.

  • We hire like-minded individuals who share our values of Integrity, Fairness, Learning, Results, Partnership, Balance, and Discipline.
  • We hire experienced professionals who understand the industry and provide effective advice.
  • We hire candidates who demonstrate a passion for client service. People who understand that distinctive service is more than smiling and being friendly - it's about creating a client experience that is unmatched.

But attracting the right people is only half the battle. We have to ensure that every associate understands their actions affects the outcomes of the firm. Our Position Descriptions are not designed to list every aspect of a position but to serve as a general overview.

SUMMARY OF POSITION:

A Financial Advisor should demonstrate commitment to delivering distinctive service. The position is responsible for managing a portfolio of existing Firm clients and development of new business through aggressive solicitation of identified qualified prospects. Through this process, become the primary financial advisor for a portfolio of clients which would include business entities, business owners, and individuals who are consistent with Pinnacle's market segmentation.

PRIMARY RESPONSIBILITIES:

  • Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve issues client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
  • Administer and manage client loan portfolio consistent with the Firm's credit policies while meeting the financial needs of clients.
  • Provide a full array of loan products designed to meet the financing needs of clients. Includes but not limited to Working Capital Lines of Credit, Term Loans for equipment or building, Home Equity Lines of Credit, Residential Mortgages, and other miscellaneous consumer loans.
  • Meet all designated Pinnacle standards for appropriate risk rating; credit soundness thresholds; and critical action items as represented in KPI reports.
  • Analyze credit worthiness of a potential borrower and recommend either approval or denial of the request.
  • Develop and manage business relationships with emphasis upon prudent growth and ongoing credit quality.
  • Negotiate credit extensions. Work with clients on the structure and terms under which credit would be extended to include collateral requirements, repayment terms, pricing, and covenants required for extension of loans.
  • Approve loans under approved authority limits.
  • Ensure compliance with the Firm's credit policies and regulations for all loans under his/her responsibility.
  • Provide deposit products including but not limited to Demand Deposit Accounts, Money market Accounts, Savings Accounts, and CD's.
  • Cross-sell all appropriate financial products including but not limited to Depository Accounts, Treasury management, and Investment Products.
  • Optimize/recommend appropriate tailored solutions to client needs and provide various services designed to assist client in management of overall financial planning.
  • Manage small investment portfolios for clients and be conversant about investment and ready to refer to brokerages business to the Investment department.
  • Solicit new personal and business banking relationships. Proactively solicit new business relationships through prospects and referral requests and pursue personal banking relationships of assigned Board of Directors and requesting referrals from Board members.
  • Develop and maintain product knowledge of all loan and depository products designed for small business and affluent individual markets, as well as personal knowledge of market. Further expand knowledge to add value to client with regard to Investment needs and estate planning.
  • Participate in developmental and training activities as well as projects as directed by management.
  • Meet all the client's financial needs, both business and personal, and refers clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
  • Assist other team members as needed to ensure delivery of distinctive service.
  • Perform other related duties and responsibilities as assigned.

DESCRIPTION OF EXPERIENCE, EDUCATION, AND TRAINING:

  • College degree is preferred - finance or business-related field.
  • 10 years' experience in banking/financial services.
  • Knowledge of consumer and commercial banking products.
  • Strong knowledge base relative to consumer and commercial loan documents.
  • Knowledge of compliance and federal banking regulations.
  • Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.

DESCRIPTION OF CAPABILITES, PHYSICAL REQUIREMENTS, AND ABILITIES:

  • Excellent interpersonal skills, including verbal and written communication skills.
  • Effective analytical and mathematical reasoning skills with a strong attention to detail.
  • Ability to work independently and prioritize daily tasks.
  • Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy.
  • Flexibility and ability to multi-task.
  • Excellent client service skills. Tact and diplomacy in dealing with both clients and associates.
  • The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

POSITION STATUS: EXEMPT

DATE: 06.09.2015

Pinnacle is an Equal Opportunity and Affirmative Action Employer committed to supporting a culture of inclusivity that builds a diverse workforce so we can support the many different communities we serve. All otherwise qualified associates and applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender expression and/or identity, national origin, age (40 and over), genetic information, disability, protected military or veteran status, pregnancy or pregnancy-related conditions, or other status protected by law.

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