Floating Business Banking Specialist

Job Description:

The responsibilities of a Floating Business Banking Specialist include providing tailored financial services to customers by assisting them with their daily banking needs, overseeing the opening and maintenance of accounts, and recommending relevant products and services.

Core Job Functions and Obligations:

Business Development:

• Efficiently establish a reliable schedule for SBA business growth in the industry, encompassing various aspects like:
• Planning phone calls and subsequent actions
• Client retention calls
• New client prospecting
• Engaging in telephone communication to make connections
• Networking events
• Uphold and strengthen an evolved COI network encompassing prominent members from various community and business sectors to drive referral production
• Responsible for sales management, credit evaluation, loan structuring, SBA loan packaging and submission, client meetings, and character appraisal
• Cultivate and nurture new business relationships to propel growth and success

Credit Acumen:

• Shows expertise in navigating business credit options, understanding:
• Designing suitable solutions and offerings according to business requirements, asset lifespan, and expansion plan
• The scrutiny of financial documents and tax records is fundamental in the process of gauging creditworthiness and risk for individuals and businesses
• Evaluating credit requirements for the short and long term by analyzing business sales cycles and anticipated business growth
• Educates aspiring clients about the bank's criteria for loan approval, SBA initiatives, and relevant regulatory standards
• Collaborates with lawyers, loan finalizers, and in-house personnel to guarantee prompt completion and financing of loans
• Negotiates between business necessities and customer requests while monitoring and limiting potential risks
• Carries out responsibilities in accordance with the principles of Seacoast Bank’s Code of Conduct
• Assists junior SBA lenders in navigating their roles and responsibilities effectively
• Adheres to the guidelines and protocols of financial institution policies, such as those related to BSA, AML, and OFAC standards
• Manages loan applications and collects required applicant details while ensuring compliance with equitable lending standards and ethical sales methodologies
• Handles customer concerns in a timely and professional manner, escalating issues to the relevant parties as necessary

Education and Experience:

• A high school diploma or a similar qualification is a prerequisite for consideration
• Having completed a financial-related discipline in college is advantageous
• Having at least five years of relevant experience in SBA lending is highly desirable
• Applicants need to demonstrate a track record of at least 10 years in business development or financial services
• Effective in written, verbal, and interpersonal communication capabilities
• Ability in working with desktop computers, laptops, tablets, smartphones, and Microsoft Office tools

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