Business Banking Officer - Onondaga County

Description

Are you passionate about making a positive impact in your local community? Do you have proven success in the commercial lending or business-banking field? Do you thrive in a dynamic, collaborative, and engaging work environment? If so, we have the perfect opportunity for you at Pathfinder Bank!  

At Pathfinder Bank, we take pride in being more than just a financial institution – we are a community-focused bank committed to building lasting connections in Central New York. As a key player in our market, you'll have the chance to make a meaningful impact on the people and businesses in our community while developing long-lasting, trusted relationships.  

We are seeking an accomplished Business Banking Officer to join our dynamic team, providing unparalleled financial solutions to our valued business clients. In this crucial role, you will be the face of our institution, fostering relationships with businesses, understanding their financial needs, and offering tailored banking products and services to help them thrive. If you are passionate about empowering local businesses and possess a strong background in financial services, we invite you to apply and drive growth in our vibrant business community.

Requirements

Responsible for acquiring, servicing and growing relationships with small businesses that typically have annual gross sales up to $1Million. Work proactively with new businesses, structuring and closing of commercial loans, as well as related depository relationships, maintaining and serving a commercial loan portfolio. Accountable for the identification of risk inherent in loan transactions, loan portfolio and communication of that knowledge.  Analyze credit worthiness of applicants to evaluate, authorize, or recommend approval of, customer applications for lines of credit, commercial loans and commercial real estate loans.  Ensure compliance with all consumer regulations related to the job function. Adhere to regulatory changes, compliance issues and bank policy and procedure.

Essential Functions

• Interview applicants to determine loan requirements and gather pertinent information for application. 
• Develop new commercial loan and deposit relationships through ongoing networking including client meetings, attending community events, and calling on centers of influence.
• Prepare financing proposals for client review, consistent with the Bank’s credit risk tolerance.
• Analyze required financial statements and information to make informed decision/recommendation for approval or declination.
• Assist in the origination of new deposit accounts and treasury management services.
• Assist the branch team in support of stated departmental goals and to help meet customer’s broader financial goals.
• Work with manager and lending team to evaluate credit requests and recommend appropriate loan structure to manage risk.
• Work with the Business Services Team to best utilize digital capabilities.
• Establish, negotiate and approve loans within specified limits or refer them to loan committee for approval while maximizing profitability and minimizing risk.
• Achieve sales goals as detailed in annual review.
• Responsible for a portfolio of existing commercial loan and deposit customers.
• Implement, execute and monitor business services sales plan as assigned.
• Ensures timely loan closing and loan funding.

Job Requirements

• Bachelor's degree in finance, business administration, or a related field
• Minimum of 3 years of experience in business banking or commercial lending
• Strong understanding of business financial statements and credit analysis
• Proven sales and customer service experience with a track record of meeting or exceeding targets
• Familiarity with business banking products and services such as loans, lines of credit, treasury management, etc.
• Ability to build and maintain relationships with business clients
• Proficient in the use of banking software and Microsoft Office Suite
•  Knowledge of local, state, and federal banking compliance regulations
• Demonstrated ability to work collaboratively in a team environment
• Capacity to manage multiple tasks and prioritize effectively
• Solid problem-solving skills and analytical thinking
• Willingness to participate in community events to represent the bank and develop business
• Valid driver's license and personal transportation for client meetings and business development opportunities