Banker

Job Summary:

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

Essential Duties And Responsibilities:

Business Development:

• Quickly establish a consistent SBA business development cadence in the marketplace, including but not limited to:
• Call planning and follow-up
• Client retention calls
• New client prospecting
• Outbound telephone calling efforts
• Networking events
• Maintain and expand a mature Center of Influence (COI) base of community and business leaders to generate referrals
• Responsible for sales, credit analysis, proper loan structuring, SBA loan packaging and submission, client interviewing, and character assessment
• Source and build new business relationships

Credit Acumen:

• Demonstrates complete understanding of business credit facilities, including:
• Structuring appropriate terms and products based on business need, asset life, and growth strategy
• Understanding business and personal financial statements and tax returns to assess creditworthiness and risk
• Identifying short- and long-term credit needs based on business sales cycles and growth plans
• Educates prospective clients on bank underwriting guidelines, SBA programs, and applicable government regulations
• Coordinates with attorneys, loan closers, and internal staff to ensure timely loan closing and funding
• Balances business needs with customer requests while managing risk exposure
• Adheres to Seacoast Bank’s Code of Conduct
• Acts as a mentor to junior-level SBA lenders
• Complies with bank policies and procedures, including BSA, AML, and OFAC regulations
• Accepts loan applications and collects required applicant information while ensuring fair lending standards and ethical sales practices
• Resolves customer concerns in a timely, professional manner and escalates issues as appropriate

Education And Experience:

• High School Diploma or equivalent required
• College degree in a financial-related discipline preferred
• 5+ years of directly related SBA lending experience preferred
• 10+ years of business development and/or financial services experience required
• Excellent written, verbal, and interpersonal communication skills
• Proficiency with desktop, laptop, tablet, smartphone devices, and Microsoft Office Suite

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