Business Banking Officer - San Diego Area

First Bank; Chula Vista (CA); On-site; USD 90,000 - 120,000; Full time

Job summary

First Bank in California seeks a Business Banking Officer III to drive loans, deposits, and fee-based services for small businesses with annual sales up to $10 million. You will meet annual production goals and cultivate relationships with top clients while coordinating with branch managers.

Responsibilities include marketing to increase referrals, training branch staff on business products, analyzing financial statements, and preparing loan applications for processing.

Qualifications

• Bachelor's degree in business or related field.
• Minimum seven years small business loan development experience and/or training.
• Knowledge of SBA programs.
• Experience with spreading financial statements and determining cash flow.

Responsibilities

• Direct calling on prospective clients to generate loans, deposits, fees and other products.
• Meet or exceed annual production goals.
• Develop marketing plans to increase loan referrals and opportunities.
• Provide on-the-job training to branch staff on business products and services.
• Meet with customers to discuss needs and obtain complete loan packages.
• Analyze business financial information to match bank products.
• Prepare sales reports for management to measure performance.
• Assist branch managers with servicing portfolio and maturing loan management.

Skills

7+ years small business loan lending

SBA programs knowledge

CF/financial statement analysis

PC proficiency

Education

Bachelor's degree in business or related field

Job description

Business Banking Officer III

Business Banking Officer III is responsible for providing a full range of banking services to self-sourced and branch-referred businesses with annual sales of up to $10 million with emphasis on client contact and sales of credit relationships including, but not limited to, lines of loans up to $1 million, Commercial Real Estate loans to $2 million and all government loan programs.

What You Will Be Doing

• Direct calling on prospective new clients to generate loans, deposits, fees and alternative bank products and services for the retail branch network. Expected to meet or exceed annual production goals
• Direct calling on top 40% of existing clients of assigned branches, in coordination with Branch Managers, with focus on relationship retention and new opportunities for loans, deposits, fees and alternative bank products and services for the retail branch network
• Developing and implementing a marketing plan to increase loan referrals from outside referral sources and assigned retail branches
• Providing on-the-job training of branch sales staff to augment core training offered by Corporate Training on all business products and services to increase internal referrals
• Meeting with customers to discuss business needs, recommend ways in which the Bank can serve their needs and obtain complete application packages for submission to respective loan centers for processing
• Completing basic analysis of business financial information to match bank products accordingly
• Providing monthly and quarterly Sales Reports to management to measure sales performance to required sales objectives
• Assisting assigned Branch Managers with servicing the branch portfolio of business credits including control of delinquencies and proactive maturing loan management

Qualifications

• Bachelor's degree (B. A.) in a business-related field from four-year college or university preferred
• A minimum of seven years small business loan development experience and/or training, preferably in a banking environment; or equivalent combination of education and experience.
• PC proficiency in Microsoft Windows environment preferred.
• Knowledge of SBA programs required.
• Experience with spreading financial statements and determining global cash flow required.