Floating Bank Teller

Floating Bank Teller

Job Summary:

A Floating Bank Teller provides personalized financial solutions by assisting customers with daily banking needs, opening and maintaining accounts, and recommending appropriate products and services.

Key job requirements and accountabilities:

Business Development:

• Expeditiously set up a regular flow for SBA business advancement in the sector, incorporating a variety of factors such as:
• Strategizing for calls and evaluating subsequent steps
• Client retention calls
• New client prospecting
• Initiating phone calls to external contacts
• Networking events
• Support and broaden a seasoned COI roster of community and business leaders to stimulate the generation of referrals
• Tasked with managing sales activities, analyzing credit information, structuring loans effectively, preparing and submitting SBA loan packets, meeting with clients, and evaluating personal characteristics
• Develop and foster novel business relationships to broaden your professional network

Credit Acumen:

• Displays knowledge of various business financing options, such as:
• Developing terms and goods that are well-suited for the business, considering asset longevity and growth plans
• Understanding business and personal financial statements and tax returns is crucial for assessing the creditworthiness and risk associated with lending to individuals and businesses
• Matching credit demands in the short and long terms with the ebb and flow of business sales cycles and future expansion plans
• Informs potential customers about the criteria used by banks to evaluate loan applications, Small Business Administration (SBA) initiatives, and relevant legal frameworks
• Facilitates communication between attorneys, loan closing specialists, and internal team members to ensure loans are closed and funded promptly
• Maintains equilibrium between the requirements of the business and the preferences of customers while managing exposure to risk
• Ensures compliance with Seacoast Bank’s Code of Conduct by conforming to its policies and guidelines
• Supports the growth and development of novice SBA lenders through mentorship
• Abides by the bank's protocols and guidelines, which encompass regulatory frameworks like BSA, AML, and OFAC stipulations
• Screens loan applications and gathers necessary applicant details while upholding equitable lending criteria and ethical sales approaches
• Manages customer complaints in a timely and professional fashion, escalating any unresolved matters as required

Education And Experience:

• A high school diploma or an equivalent credential is a must
• Preference is given to individuals with a college education in a finance-related field
• The ideal candidate will have a minimum of five years of specific experience in SBA lending
• Candidates should have a background of at least 10 years in business development and/or financial services
• Displays strong communication skills in written, verbal, and interpersonal contexts
• Efficiency in utilizing desktop computers, laptops, tablets, smartphones, and Microsoft Office Suite programs

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