Serve as the Focal point of Contact for customers' comprehensive banking services and needs, including, but not limited to: loans; deposits, treasury management services; international trade services; and foreign exchanges services. Gain a full understanding of the customer's: Nature of business and business model Business strategy and long-term objectives Business requirements Industry trends Risk factors Financial Condition Develop and execute a Relationship Development Plan tailored to each c... more details
Serve as the Focal point of Contact for customers’ comprehensive banking services and needs, including, but not limited to: loans; deposits, treasury management services; international trade services; and foreign exchanges services.
Gain a full understanding of the customer’s:
Nature of business and business model
Business strategy and long-term objectives
Business requirements
Industry trends
Risk factors
Financial Condition
Develop and execute a Relationship Development Plan tailored to each customer’s needs and update it at least annually. The plan should include a comprehensive analysis of the business, market and industry, business requirements, potential banking products & Services to supplement or complement and the execution timeline.
Negotiate terms and conditions, including but not limited to: pricing and fee for loans, deposits and other banking services on terms acceptable to the Bank. Communicate pricing strategy with respective Portfolio Management units in written document form.
Establish effective communication channels with underwriters, branch personnel, treasury management services and other bank employees to ensure high quality customer experience.
Meet or exceed assigned Deposit, Loan, Fee Income Production Goals.
Meet or exceed assigned Partner Referral Goals.
Meet or exceed assigned New Customer Relationship Goals.
Develop a and Execute a Marketing Plan to acquire new relationships, retain and expand existing customer relationships.
Proactively solicit new business relationships through aggressive calling efforts on prospects developed through referrals from existing customers, cultivation of key referral sources and prospect lists.
Actively engage in networking opportunities/events for target industries to help raise brand awareness of the Bank and to identify prospective customers.
Work closely with the Treasury Services Team to ensure that Commercial customers/prospects needs are properly matched with the appropriate depository, cash management, and investment needs.
Proactively update status of all business leads and deals on the Bank CRM.
Participate in the Bank’s sales training program(s) to continue develop sales and business development skills.
Prepare a complete credit package for underwriting, which includes, but not limited to: completed application, tax returns, financial statement, legal entity documents and any other pertinent business and/or property information.
Analyze financial and related data to determine the general credit worthiness of Commercial customer/prospects and the merits of specific credit requests.
Collaborate with underwriting to identify credit risks and recommend appropriate credit structure.
Presents credit requests to loan committee for approval.
Generally, handles loan relationships with aggregate exposure up to $25M and portfolios up to $150M.
Expand and Retain existing relationships to maximize bank profitability through appropriate pricing of new loan originations, fee income, and cross selling of all bank products & services, including deposits and Treasury Services products.
Investigate and follow up on significant changes in status of existing customers; meet with customers to discuss needs and outline appropriate Bank services and to resolve problems as necessary.
Monitor loan relationships for compliance/tickler and communicate directly with the customers to gather appropriate information and documents related to financials, insurance, collateral position, property taxes etc. to ensure full compliance with all credit covenants, credit reviews, audits and regulatory examinations.
Monitor payment performance of the loan portfolio and contact the customer for any delinquency related follow up.
Ensure timely communication with borrowers, loan officers, portfolio managers and credit administration.
Comply with all applicable enterprise risk management requirements and documentation including AML/OFAC.
Monitor the business activities of the customers to assess appropriated Customer Risk Rating and to generate or update Know Your Customer (KYC) documentation, including the BSA Customer Site Visitation Report for high risk customers.
Coordinate as a point of contact in communication with the customers to fulfill KYC requirements and other inquiries form the AML/OFAC team.
Report any suspicious activities to the AML/OFAC Department.
Complete all required Compliance Training prior to assigned due dates.
Assist in conducting due diligence requested and compliance requirements.
Mentor junior Relationship Managers and Business Development Officers.
Participate in various internal committees assigned by senior management.
Complete other assigned duties.
Job Qualifications/Requirements
Minimum Education Level: Bachelor’s Degree
Minimum 7+ years’ experience in banking.
Excellent organization skills and ability to handle and prioritize multiple tasks.
Detailed knowledge of banking regulations and laws; compliance documentation, and reporting requirements.
Ability to generate new business through a consultative sales approach.
Ability to close sales without relying solely on interest rates.
Ability to originate challenging and complex C&I Loans.
Thorough knowledge of bank’s credit policy & procedure and underwriting guidelines.
Ability to analyze and organize financial information and perform complex financial calculations.
Ability to structure the loans according to the customer’s needs and the bank’s underwriting guidelines.
Ability to present the loans to various credit approving authorities within the bank.
Ability to close approved loans and to support loan servicing, including collecting updated financials and collection.
Ability to respond effectively to the most sensitive inquiries or customer complaints.
Excellent interpersonal, written and verbal communication and presentation skills.
Ability to make effective and persuasive presentations on controversial or complex topics to top management, employees, regulators, or board members.
Present a professional image in dealing with customers, interdepartmental and external representatives.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
The salary range for this full-time position is $150,000.00 annually - $160,000.00 annually + bonus + benefits
Salary ranges are determined based on qualifications, level, and location.
Exact compensation may vary based on your skills and experience.
Bank of Hope is an equal employment opportunity employer and does not discriminate on the basis of race, color, gender, religion, age, sexual orientation, genetic information, national or ethnic origin, disability, marital status, veteran status or any other basis protected by federal, state, or local law.
Job Abstracts is an independent Job Search Engine. Job Abstracts is not an agent or representative and is not endorsed, sponsored or affiliated with any employer. Job Abstracts uses proprietary technology to keep the availability and accuracy of its job listings and their details. All trademarks, service marks, logos, domain names, and job descriptions are the property of their respective holder. Job Abstracts does not have its members apply for a job on the jobabstracts.com website. Additionally, Job Abstracts may provide a list of third-party job listings that may not be affiliated with any employer. Please make sure you understand and agree to the website's Terms & Conditions and Privacy Policies you are applying on as they may differ from ours and are not in our control.
Welcome to Job Abstracts
We would like to take a second to Welcome You to Job Abstracts, the nation’s largest Pure Job Board. With over 3.1 million job listings from 15,000+ Companies & Organizations, we help job searchers find careers that match their interests. As an anonymous user, you have probably discovered how easy our system is to use. However, you have just scratched the surface of what we can offer.
We encourage you to Register so you can use our most powerful features: searching with multiple terms, setting up multiple locations, establishing favorite companies, and accessing your search history. If you find a job you like, you can apply directly for it, and then, keep notes on it. We will also keep a lookout for jobs that match your search terms and email you when we find something you may like.
You can register for free and the system is free to use. If you like our system so far, click on Register and unlock the power required by serious job searchers.
Any time you conduct a search, the system shows you job matches, ranked by their Relevance Score (RS).
The score is calculated by a proprietary algorithm that uses Intelligent Machine Learning.
The Relevance Score tells you how well the job opportunity matches your search term or terms.
When not logged in, the system is limited to one search term. Scores for single term matches are usually lower.
When you register, log in, and set up multiple terms prioritized by importance, the jobs found for you will receive a much higher Relevance Score.