Job Information
SB Financial Group, Inc. Commercial Services Officer 1 in Defiance, Ohio
Full job description {#full-job-description tabindex="-1"}
*Education *A B.S. or B.A. degree in a related field normally required; specialized banking education and training.
Experience
A minimum of three (3) years of experience in related positions normally required. Preferred Skills
- Proficient reading, writing, grammar, and mathematics skills.
- Proficient interpersonal relations, communicative, and sales skills.
- A thorough knowledge of the features and benefits of all bank commercial products and services.
- A working knowledge of bank operating policies and procedures which impact commercial services.
- Valid driver's license.
Role and Responsibilities
Responsible for developing and managing the commercial and industrial loan relationships; achieving customer service goals as established in the Commercial Services Department's annual operating plan.
Essential Duties
- Develops and manages the commercial and industrial loan relationships which are typically the largest and most complex by performing the following:
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``` - Jointly establishes quantitative sales objectives, with assigned supervisor, on an annual basis; this activity to be integrated with the Commercial Services Department's annual marketing/sales plan. - Solicits new business from present and prospective customers; interviews applicants; maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities. - Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports. - Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis. - Serves as a member of the bank's sales team, e.g., Sales Managers; makes group sales calls where these types of calls will improve the opportunity for new business development. - Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs. - Collects and analyzes financial, credit, and related information; provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority; negotiates provisions and structures of loans. - Makes presentations to appropriate loan committee. - Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems including loan policy. - Maintains a working knowledge of bank operating policies and procedures which impact commercial services. - Prepares and maintains accurate records of all customer service calls made and meetings held with present and prospective customers. - Monitors loan repayment activities.
Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Services Department's annual operating plan.
Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the work place.
Cooperates with, participates in, and supports the adherence to all internal policies, p