Job Summary
We are seeking a dynamic and proactive Small Business Specialist to join our team and empower local entrepreneurs and small business owners. In this role, you will serve as a trusted financial advisor, providing tailored solutions that support business growth, manage risk, and ensure compliance with banking regulations. Your expertise will help clients navigate complex financial landscapes, optimize their cash flow, and achieve their business objectives. This position offers an exciting opportunity to make a meaningful impact in the community while developing your career in commercial banking and financial services.
Duties
- Cultivate strong relationships with small business clients through personalized service, understanding their unique financial needs and goals.
- Conduct comprehensive credit analysis, including interpreting financial statements, cash flow analysis, and industry trends to assess creditworthiness.
- Manage a portfolio of small business clients by monitoring account activity, assessing risk, and identifying opportunities for upselling additional financial products or services.
- Facilitate loan processing by evaluating loan applications, ensuring compliance with loan regulations such as the Bank Secrecy Act, and coordinating with underwriting teams.
- Advise clients on banking solutions including commercial lending options, cash management services, and industry-specific financial products.
- Stay informed on banking regulatory compliance, industry knowledge of financial regulations, and changes in financial software to ensure adherence to all policies and procedures.
- Engage in proactive business development efforts by networking within the community, identifying new client prospects, and promoting our financial services offerings.
Requirements
- Demonstrated experience in commercial banking or related financial services roles with a focus on small business client management.
- Strong knowledge of banking regulations such as the Bank Secrecy Act, compliance standards for loan processing, and industry best practices in risk management.
- Proven skills in negotiation, relationship management, and customer service to build trust and foster long-term client partnerships.
- Expertise in underwriting processes, credit analysis, financial statement interpretation, and cash flow analysis.
- Familiarity with financial concepts including portfolio management, financial software applications, and loan processing systems.
- Excellent communication skills with the ability to explain complex financial information clearly and effectively.
- A background in business development within finance or commercial lending is highly desirable.
Join us as a Small Business Specialist and become a vital part of our mission to support local entrepreneurs through expert guidance and innovative banking solutions!
Pay: $56,393.74 - $67,915.04 per year
Work Location: In person
