In this position, the AVP, Business Banking individual has a high degree of independent authority to employ the Banks' assets, using direction and judgment to administer commercial liabilities, to implement policies and procedures and have a major impact on Bank profitability. The AVP, Business Banking individual interacts and works with individuals in the Retail Banking Centers, Private Banking, Corporate Banking, Commercial Real Estate, Treasury Management, and the Credit Department. The AVP, Business Banking individual must understand and be able to offer all products and services of the Bank with special emphasis on business loan and deposit products. This individual is expected to provide a high level of service to existing customers and perform business prospecting activities.
*Must have prior experience in the area of analyzing financial statements and making loan recommendations.
*Ability to prioritize; work under pressure and meet deadlines.
*Ability to handle several different tasks at one time.
*Bachelor's degree required.
*Minimum of five years of experience in working in business banking or financial sales.
*Knowledge of all business credit deposit products and services.
*Knowledge of national and regional government assisted loan programs.
*Strong written and oral communication skills required to interpret and explain financial data to others involved in the loan approval process.
*Demonstrated abilities and desire to provide high quality customer service.
*Demonstrated skills in performing and understanding financial ratios, collateral coverage, and cash flow analysis for business borrowers.
*Demonstrated sales and business development skills and achievements.
*Must have a valid drivers' license and access to a dependable vehicle for business development opportunities.
Principle Activities and Duties:
*Establish an annual business development plan and goals with the objective of fostering Bank growth through mutually beneficial account relationships.
*Develop and maintain business relationships through a sales oriented calling program.
*Complete call reports on all business visits, outlining the purpose of the call, business needs, financial information, and future focus for the business.
*Participate in community and civic functions, either in an advisory or active capacity, representing Dollar Bank, with emphasis on maintaining and developing business relationships.
*Manage and/or participate in any special assignments as requested by the Senior Vice President of Business Banking.
*Assist with the development of less experienced Business Banking Representatives.