Job Overview

description:

summary of job:

develop and manage new and existing customer relationships through cross-selling appropriate banking products and services. manage portfolio ensuring proper risk is assessed and in compliance with appropriate regulations, laws, and bank policies. cultivate external relationships with centers of influence and business owners in the local community. responsible for developing and managing a loan portfolio of new and existing consumer and commercial clients, in addition to developing fee-based income relationships consistent with the bank's strategic goals and objectives.

essential job responsibilites:

1. work with business owners, management, or designated advisors in analyzing borrowers' financial and operating strategies to recommend credit solutions to meet their immediate and long-term capital needs.

2. work proactively to generate additional non-interest income through opening new deposit accounts and treasury management products.

3. manage, maintain, and service a large loan portfolio that meets established lending requirements and maximizes profitability with acceptable risk. maintain ongoing communication with customers to remain current on operating strategies and related capital needs and obtain updated financial information as needed.

4. assist in the development of structures and negotiation of loans and/or agreements to include the terms, pricing, special conditions, and interest rates for commercial accounts.

5. assist in the facilitation to the loan committee or approving officer; oversee the loan documentation and closing process.

6. provide support in the management of complex loan portfolios in market, and lead relationship banker team in business development strategy and activity.

7. participate and support appropriate community initiatives and civic events to promote goodwill and obtain new business, as well as our duty to community impact and economic development.

8. maintain current knowledge and follow all bank financial and security regulations and procedures.

9. embody, embrace, and demonstrate inbank's core values: commitment, innovation, responsibility, teamwork, happiness, and authenticity.

10. other duties as assigned

requirements:

job requirements: education: bachelor's degree or equivalent work experience

work experience: 7+ years of experience in a financial institution, at least 5 years of experience in lending

supervisory experience: 3+ years supervisory experience

licenses/accreditations: nmls

computer skills: proficient with microsoft office suite and crm platform

other requirements: problem solver with the ability to objectively review a challenge and suggest multiple alternatives. must demonstrate sales and business development skills. detail-oriented; decision-making capabilities. knowledge of lending policies, procedures, and regulations required. must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone.

preferred skills/experience: lending and sales experience. ability to cross-sell and/or refer bank products based on customers' needs. strong oral, written customer service skills.

specific duties and responsibilities:

customer service: strong emphasis on excellent customer service skills; ability to work effectively with both internal and external contacts. maintains confidentiality in handling customer and bank information.

financial: good financial analysis abilities.

administrative duties: n/a

autonomy: risk-taking, innovative, change; ability to delegate tasks and responsibilities to others.

employees supervised: yes

budget responsibility: yes

the applicant who is selected for this position will be eligible for the following compensation and benefits:

• targeted hiring range based on experience: $100,000 - $175,000 yearly. this range is an estimate based on potential employee qualifications and other considerations permitted by law under the colorado equal pay for equal work act and equal pay transparency rules.
• bonus eligibility: annual bonus based on company bonus plan/individual performance and is at the company discretion.
• benefits: medical, dental, vision insurance. disability insurance. employee assistance program. flexible spending account. health savings account. life insurance.
• paid time off: vacation and sick leave, as well as paid bank holidays.
• 401(k): company match begins with the first contribution and follows the company vesting schedule.
• other: access to career training and development opportunities, employee discounts.
• for more about inbank and our culture, visit us here: who we are

inbank is an equal opportunity employer committed to creating a diverse workforce. we support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. we consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws.

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