Senior Banker – HNW Lending & Wealth Solutions

Charles Schwab; Omaha (NE); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

401(k) with company match

Employee stock purchase plan

Paid vacation

Sabbatical after every 5 years of 0?7

Parental leave

Tuition reimbursement

Health, dental, and vision insurance

Job summary

Charles Schwab in Omaha is seeking a Senior Banker to partner with Schwab Wealth Advisory clients, delivering banking, deposit, trust, and lending solutions. You will collaborate across Bank Sales, Credit, Operations, Trust and Deposit teams to tailor solutions for high-net-worth clients.

You’ll manage the client experience from first contact to funding, handle complex structures, and coordinate with professionals.

Qualifications

• Minimum of 5 years of successful lending consultation and business development experience in Financial Services or working closely with HNW/UHNW clients.
• Expert knowledge of credit products including residential mortgage products, home equity lines of credit, and securities-based loans. Familiarity with bank deposit and cash management products and brokerage margin product as well as business banking requirements and structures.
• Proven ability to analyze cash flow and balance sheet of HNW/UHNW retail brokerage clients and develop client’s personal financial statement. General understanding of estate planning techniques, entity structuring, and tax strategies.
• Strong skills in diplomacy, discretion, and professionalism; ability to efficiently, tactfully & professionally screen, manage and/or decline transactions while maintaining partner and HNW/UHNW client relationships.
• Possess excellent oral and written communication skills. Exceptional presentation skills.
• Strong relationship building capabilities with Schwab teammates, HNW/UHNW clients, and matrix partners (e.g., service, credit, risk and third-party vendors).
• Strong collaboration skills in a team-oriented environment.
• Attention to detail and the ability to multi-task and work efficiently, independently and with teams, to meet tight deadlines with minimal supervision.
• Strong command of mortgage underwriting guidelines. (Completion of formal credit training strongly preferred)
• Series 7 and 63/65 or 66 licenses required.
• NMLS license required (To be obtained within 90 days of employment)

Responsibilities

• Advise Schwab Wealth Advisory clients on bank lending, deposit and trust solutions including products, pricing and recommended deal structures. Gather information from clients using internal and external resources for the completion of the application process.
• Partner with Schwab teammates in assigned geographies to discuss Schwab Wealth Advisory client base and identify lending, deposit and trust opportunities and recommend opportunity action plans.
• Establish a reputation of execution and excellence. Gain confidence of Schwab Partners to fully develop lending, deposit and trust opportunities with their Schwab Wealth Advisory clients.
• Develop and present creative and intelligent lending, deposit and trust solutions; consult partners, such as credit specialists, as needed.
• Take ownership of banking client experience from initial contact to loan funding or account establishment, working closely with partners and third-party providers to ensure a smooth process for Schwab Wealth Advisory clients.
• Work with and communicate effectively with Schwab partners.
• Responsible for the early identification of complex transaction structures, such as: entity, trust, guarantor, co-op, unique property requirements, condensed timeframes, properties under construction, and need for multiple co-borrowers.
• Maintain full awareness of status for all Schwab Wealth Advisory banking applications in pipeline and function as primary Schwab Bank liaison for all parties involved in bank account opening process, including service, credit, risk and third-party vendors.
• Address all issues surfaced during loan process and assist with underwriting requests

Skills

Lending experience

HNW/UHNW client service

Credit products knowledge

Cash flow analysis

Estate planning / structuring

Diplomacy & professionalism

Communication skills

Relationship building

Team collaboration

Mortgage underwriting knowledge

Series 7 and 63/65/66 licenses

NMLS license (within 90 days)

Education

Undergraduate degree preferred

Job description

Charles Schwab in Omaha is seeking a Senior Banker to partner with Schwab Wealth Advisory clients, delivering banking, deposit, trust, and lending solutions. You will collaborate across Bank Sales, Credit, Operations, Trust and Deposit teams to tailor solutions for high-net-worth clients.

You’ll manage the client experience from first contact to funding, handle complex structures, and coordinate with professionals.