Business Banking Team Lead - Retail Admin Total Bank

SUMMARY:

Provides an overall leadership in business banking and coordinates business banking activities with market/region leadership and other lines of business for the assigned region or territory. Drives employee engagement by enabling a positive work environment that inspires, motivates, challenges, supports and provides ongoing recognition for exceptional performance.  Establishes and maintains each market's business relationships with assigned branch personnel.  Expands the reach of small business relationships by joint efforts with those personnel. 

 

As a trusted advocate for small businesses within local market, the Business Banking Relationship Manager will be responsible for understanding customers and prospects unique depository, lending and digital banking needs to support growth. Manages the borrowing and depository relationships for small business and related business clients and solicits and develops new bank clients through direct sales calls.  Responsible for growing book of business through advanced cash flow conversations but fostering current relationships to ensure client satisfaction. Responsible for the development of community and business relationships as necessary to facilitate sales referrals and to maintain knowledge of local business conditions to support the banks growth and other goal initiatives including but not limited to the bank's CRA activities.  

 

CUSTOMER SERVICE SKILLS:

Willingness to provide a level of service which will clearly differentiate us from our competitors.

 

INTERPERSONAL SKILLS:

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Possess clear, concise, effective written and oral communication skills to effectively express thoughts, ideas and concepts to management, bank employees and bank customers in a collaborative and solutions oriented manner.

Ability to interact effectively across all levels of the organization, including senior management and other departments.

 

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Practices the standards of the Better Banking Pledge and Service & Support Pledge.

Manages lending and deposit relationships with small business customers.

Becomes fluent in Business Banking Cash Flow behaviors, practices and needs to best identify client solutions including deposits, loans and fee income opportunities.

Serves as primary contact for Business Banking clients and prospects within identified branch network, meeting all required follow up tasks in timely manner.

Continually monitors performance against set production goals and adjusts priorities as needed to meet those goals.

Drives customer understanding and adoption of digital banking and treasury management services to accelerate cash flow conversion cycle and reduce risk. Serves as Digital Banking Champion for Business Clients and Prospects to ensure adoption and understanding of available tools.

Ongoing support of the bank's sales culture. Originates, develops and maintains relationships with business customers for both lending and depository accounts, through direct and ongoing sales calls and referrals.

Drives partner and in-branch relationships to foster culture of needs identification and referrals. Actively coaches branch management staff on Business Banking opportunities and related products

Maintains and effectively manages individual business portfolios in all respects (i.e., financial and documentation exceptions, reviews, and collection activities in support of centralized collection and/or assigned collection activities).

Partners closely with Commercial Banking, Private Banking and other lines of business to ensure customer needs are met, actively referring relationships to partners when appropriate.

Works closely with assigned Retail and assigned Branch banking small business personnel to train and develops relationships that encourages referrals and builds a strong partnership; develops non-traditional partners to meet common goals.

Gathers all necessary financial information needed to submit complete applications to centralized lending and then works with the Business Banking Support department to obtain approval or denial of credit request; manages closing process to ensure complete documentation and booking of loan.

Works closely with the Special Asset Unit and Commercial Collections i