Business Banker 2

Arvest Bank; Hot Springs (AR); On-site; USD 63,000 - 78,000; Full time

Job summary

Arvest Bank in Hot Springs, AR is seeking a Business Banker 2 to develop solid banking relationships using CFB4 and Arvest resources to meet clients' needs while growing bank revenue. You will manage basic to expanded SMB relationships, oversee underwriting and servicing of loans, and collaborate with partners to deliver comprehensive banking solutions.

The role emphasizes client-focused service, knowledge of SMB products, and the ability to adapt to market trends.

Qualifications

• Bachelor’s degree in a related field or equivalent military or work experience.
• 2 years small business banking or commercial credit analysis experience.
• Completion of CFB4 (or small business equivalent) within 12 months.
• Completion of American Bankers Association Small Business Banker Certificate within 12 months.
• Successful sales experience including outside sales preferred.

Responsibilities

• Use banking knowledge to manage small business relationships and develop fully banked accounts.
• Cultivate relationships with COI to generate new business opportunities.
• Collaborate with internal partners to develop Small Business Customer/Prospect relationships.
• Facilitate small business loans within policy guidelines and manage related processes.
• Maintain a quality loan portfolio as outlined by management.
• Provide guidance and solutions to existing and potential small business customers and internal associates.
• Stay updated on small business market trends and translate into opportunities.
• Maintain knowledge of all Arvest small business products and services.
• Use ClientLink to manage client relationships and input sales opportunities in the pipeline.

Skills

Small business banking

Relationship management

Sales experience

Credit analysis

CFB4 knowledge

Education

Bachelor’s degree or equivalent military/work experience

CFB4 certification within 12 months

ABA Small Business Banker Certificate within 12 months

Job description

Pay is based on a number of factors including the successful candidate’s job-related knowledge and skills, qualifications, and prior experience. Arvest offers a comprehensive suite of benefits, including a full range of health and life, financial, and wellness benefits. For more information about benefits, please visit www.arvest.com/careers/benefits.

Position

Monday through Friday 8 am to 5 pm with ability to work additional hours as needed.

Location

135 Section Line Rd. Hot Springs, AR.

Summary

Under the direction of the assigned manager, the Business Banker 2 develops solid banking relationships using the CFB4 (or small business equivalent) sales process and the Bank’s available resources to market all Arvest’s products and services to meet current and future needs of clients while maximizing the Bank’s revenue and profit. The incumbent is responsible for the management of basic to expanded small business relationships. Proficiency in the origination, analysis, underwriting, and servicing of small business loans within the established policy and procedure framework and knowledge of all business banking products is required. The position requires critical thinking, time management, and multi-tasking skills along with the ability to assess client’s needs while providing excellent customer service. Managerial responsibilities may also be required. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Essential duties and responsibilities

• Use proven business/commercial banking knowledge and experience to manage basic to expanded small business relationships utilizing the CFB4 (or small business equivalent) sales principles to develop a fully banked account relationship.
• Cultivate relationships within the community, including prospective referral sources (aka Centers of Influence (COI)), to generate new business opportunities for the Bank.
• Work internally with strategic business partners (e.g. Arvest Business Engagement (ABE), Treasury Management, Credit Card, Wealth Management, etc.) and branch associates to fully develop the Small Business Customer/Prospect relationship. This may include participating in joint customer calls with the Bank’s strategic partners and conducting CFBs with branch associates.
• Facilitate small business loans through Small Business Underwriting (SBU) within policy guidelines. For requests outside the scope of SBU, the incumbent will originate, process, underwrite, approve, and close small business loans (including SBA guaranteed) within authorized lending authority and in adherence to loan policy.
• Maintain a quality loan portfolio as outlined by the Loan Manager and loan policy.
• Provide comprehensive guidance and solutions to existing and potential small business customers and internal associates who help service these customers.
• Stay abreast of changing business trends that impact the small business market segment and translate those trends into business opportunities.
• Maintain an expanded working knowledge of all Arvest small business banking products and services including deposit accounts, loans, Treasury Management, credit cards, merchant services, SBA loans, etc.
• Use ClientLink to manage and track client relationships, schedule contacts, follow-up and input sales opportunities for pipeline, production, etc.
• Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties. This includes but is not limited

to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity.

Team accountabilities

• Cross-sell other services of the bank.
• Support and uphold the Arvest Mission Statement.
• Uphold the Arvest Code of Ethics and ensure that confidential information is safeguarded.
• Maintain a high level of cooperation and rapport with all associates to ensure accurate and efficient operations and service.
• Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the bank's overall operation.
• Promote professionalism at all times.

Supervisory skills

May directly supervise 1 or more associates as assigned by the Manager. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Ensure direct reports have completed required compliance training and are adhering to all internal procedures and controls as it relates to bank policy, laws, regulations and Arvest’s BSA/AML Program. Responsibilities include interviewing, hiring, appraising performance, rewarding, and disciplining associates. The incumbent has the authority and the appropriate influence to make recommendations regarding hiring, firing, advancement, promotion, or any other change of status of other associates within the guidelines of the bank’s procedures and guidelines for such change of status events. The incumbent provides training, planning, assigning, and directing work assignments and schedules; addressing complaints and resolving problems.

Qualification requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

Education and/or experience

• Bachelor’s degree in a related field or equivalent military or work experience required. Relevant military experience is considered for veterans and transitioning service members.
• 2 years small business banking or commercial credit analysis experience required.
• General understanding of building full banking relationships required.
• Completion of CFB4 (or small business equivalent) required within 12 months.
• Completion of American Bankers Association Small Business Banker Certificate required within 12 months.
• Successful sales experience including outside sales preferred.

Other skills and abilities

• Must be able to arrive at work on time, work on site and have regular work attendance
• Must be able to work cooperatively with other co-workers regardless of personality, presence or communication style
• Must be able to provide cordial customer service regardless of customer personality, presence or communication style
• Must be able to perform several tasks at once
• Must be able to work in a stressful atmosphere
• Must be able to rotate job tasks
• Must be able to greet others cordially
• Must be able to coordinate multiple and changing priorities
• Must be able to verbally communicate with all other associates
• Must be able to operate telephone, scanner, copier and FAX machines
• Must be able to efficiently operate smart phone
• Must be able to efficiently operate with virtual sales tools such as remote meeting (i.e. – Zoom)
• Must be able to occasionally work outside of normal business hours.
• Must be able to move from department, division, or bank to department, division, or bank to attend meetings
• Must be able to operate personal computer keyboard in order to create reports, schedules and other appropriate documentation

Physical demands

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. While performing the duties of this job, the associate is regularly required to talk or hear and sit. The associate occasionally is required to stand and walk; use hands to finger, handle, or feel objects, and reach with hands and arms. The associate must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close and color vision and the ability to adjust focus.

Work environment

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Grade 15

Pay range

$62500 - $78125 per year