Teller

Teller

Job Summary:

A Teller provides personalized financial assistance to clients by supporting their daily banking needs, managing account openings and maintenance, and recommending appropriate financial products and services.

Business Development:

• Quickly establish a consistent SBA business development cadence in the market, including:
• Planning phone conversations and managing follow-ups
• Conducting client retention calls
• Prospecting new clients to expand business opportunities
• Placing outbound calls to connect with potential and existing clients
• Participating in networking events to foster relationships
• Maintaining and enhancing a diverse Center of Influence (COI) network of community and business leaders to drive referrals
• Overseeing sales duties, conducting credit assessments, structuring loans, preparing and submitting SBA loan requests, interviewing clients, and evaluating individual traits
• Building and cultivating new business relationships to unlock opportunities and collaborations

Credit Acumen:

• Demonstrates a strong understanding of business credit options, including:
• Designing tailored terms and products to align with business needs, asset lifecycles, and growth strategies
• Reviewing financial statements and tax returns of individuals and businesses to assess creditworthiness and risk
• Evaluating short- and long-term credit requirements by analyzing business sales cycles and growth projections
• Educating prospective clients on bank loan evaluation processes, SBA programs, and applicable government regulations
• Collaborating with attorneys, loan closers, and internal staff to ensure timely loan closure and funding
• Balancing business needs and client expectations while managing risk exposure
• Adhering to Seacoast Bank’s Code of Conduct
• Providing guidance and mentorship to junior SBA lenders
• Ensuring compliance with bank policies and regulatory requirements, including BSA, AML, and OFAC
• Processing loan applications and collecting required applicant information while maintaining fair lending and ethical sales practices
• Addressing customer concerns promptly and professionally, escalating issues when necessary

Education and Experience:

• High school diploma or equivalent is required
• College degree in a finance-related field is preferred
• Minimum of five years of experience in SBA lending is preferred
• At least 10 years of experience in business development or financial services is ideal
• Strong written, verbal, and interpersonal communication skills
• Proficiency in using desktops, laptops, tablets, smartphones, and Microsoft Office Suite

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