Business Banking Relationship Officer

Company: Travis Credit Union
Location: Vacaville
Posted on: August 6, 2022

Job Description:

DescriptionSummary: Travis Credit Union's (TCU) Business Relationship Officer (BRO) is responsible for the development and growth of TCU's business member account relationships. In addition to servicing existing business member, the BRO is also responsible for identifying and establishing new business relationships. TCU's BRO is a strategic role in strengthening TCU's relationships within the communities it serves. Profile:Develops prospects from self-sourced leads and may include existing members, referral leads, Credit Union partners and other sources.Contacts prospective members to present information on TCU services such as deposit accounts, lending, cash management and real estate financing.Ensures small business loans are structured in a manner that meets both customer needs and TCU loan policies. Delivers an outstanding experience to TCU business members by providing comprehensive and customized business banking solutions tailored to the financial needs and circumstances of their businesses. Uses knowledge of business, finance, credit and risk management to identify, recommend and promote solutions that best serve the client and ensure the profitability of the portfolio. Works within risk parameters that protect the credit union. Partners with subject matter experts to ensure a positive member experience.Grows portfolio by prospecting for new members and deepening relationships with existing clients; utilizes extensive referral networks and centers of influence to independently identify and pursue potential new business clients, looking for ways to cultivate long-term, primary banking relationships.Identifies the personal financial goals and needs of business clients; builds collaborative relationships with partners across lines of business (Wealth Management, Home Lending, Branch Teams) to connect clients with specialists who can help meet their financial needs.Protects the firm by following sound risk management protocols and adhering to regulatory requirements.Leverages established relationship development process by identifying steps/strategies necessary to effectively maintain and build relationships with clients and prospects.Works with the Portfolio Manager in obtaining necessary financial and other information for the purpose of performing annual reviews and renewals.Assists as needed in the closing and servicing of loans.Skills: Knowledge of economic market in the communities TCUKnowledge of accounting principles, income tax, finance and loan Thorough knowledge of credit union business products, services, rates and fee schedules. Proficient in database marketing techniques to include canvassing and cold calling. Proven ability to meet sales objectives, recognize customer needs and match them to loan products. Knowledge of structuring Excellent verbal and written communication skills. Excellent public speaking skills and the ability to prepare and effectively facilitate Ability to interact with diverse groups of people including business community members, potential borrowers and referral agents in a professional and diplomatic Ability to properly balance sales performance and credit Excellent organizational skills, attention to detail and the ability to work independently and multi-task effectively. Ability to maintain confidentiality of sensitive Thorough knowledge of commercial and SBA lending regulations, guidelines and best practices. Excellent business development and sales/service skill.Advanced proficiency in MS Office products (Word, Excel, and PowerPoint).Reporting and Experience: Reports directly to the VP, Business Banking. Bachelor's degree and a minimum of 8 years of related experience; or a Master's degree and 6 years' experience; or equivalent work experience. Treasury product knowledge required Minimum of 8 years' of sales experience.

Keywords: Travis Credit Union, Vacaville , Business Banking Relationship Officer, Accounting, Auditing , Vacaville, California