Job Title: Small Business Banker 1
Department: Small Business Lending
Reports To: Senior Lending Officer
FLSA Status: Exempt
Salary Grade: 21
Starting Range*: $67,980.00 - $83,975.00 Depending on Experience
- Our starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
Are you a motivated and high performing individual who has strong people and organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of a Small Business Banker in the Small Business Lending Department. This position involves evaluating small business loans under $500,000 and managing small business relationships. Small Business Bankers work extensively with the community, small business owners, the Senior Lending Officer, the Chief Credit Officer, and the Credit Administration Team.
The ideal candidate has at least three years’ retail banking experience in a dynamic environment, preferably focused on small business banking. A successful person in this role is proactive; highly motivated to meet team objectives, while maintaining individual performance; analytical; and has strong communication and time management skills. This employee must be comfortable interacting regularly with a broad range of individuals, including customers, executive officers, and support staff. Savings Bank is excited to add to our team of individuals seeking to fulfill the Bank’s vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders.
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
1. Provides a positive customer service experience in harmony with our Customer Service Standards and Principles and Professional Standards.
2. Acts as the primary relationship manager for a portfolio of small business customers in an assigned territory.
3. Responsible for identifying and establishing relationships with prospective small business customers, for assessing the small businesses to gain a complete understanding of their small business and commercial banking needs, and for growing the portfolio and deepening the relationship by acquiring new business.
4. Engages with existing small business customers by asking questions to learn about their financial needs, understand their financial goals and share how the Bank can help them succeed, now and in the future, through proactive relationship management.
5. Connects with customers during all phases of business life cycle, while leveraging product and service knowledge; conducts conversations to discuss and discover credit, deposit and service needs and opportunities; and demonstrates features and benefits of options available.
6. Serves as point of contact and customer advocate when needs, questions and/or concerns arise and tactfully and effectively handles them, within the Bank’s policies.
7. Represents the Bank through active involvement and participation in community organizations and events; builds relationships with centers of influence.
8. Other duties as assigned.
- High School Diploma or General Education Degree (GED)
- Three years’ experience and/or training in banking, finance, or similar position
- Knowledge and understanding of retail compliance controls, risk management and loss prevention
- Experience with Microsoft Office Suite
- Associate degree in a field related to the position
- Credit analysis and underwriting experience
- Experience managing a dedicated book of small business customers
- Spanish/English Bilingual skills
- Fostering Communication: Listens and communicates openly, honestly, and respectfully with different audiences, promoting dialogue and building consensus.
- Creativity & Innovation: Shares ideas, new approaches and possible solutions.
- Analytical Thinking: Analyzes and synthesizes information to understand issues, identify options, and supports sound decision making.
- Initiative: Deals with situations and issues proactively and persistently, seizing opportunities to go above and beyond.
- Attention to Detail: Reviews all relevant information before taking action or making a decision; seeks out others to check or review work for accuracy and completeness.
- Fraud Detection and Control: Employs appropriate techniques and procedures for identifying, reporting, and preventing fraud.
- Teamwork: Works collaboratively with others to achieve organizational goals.
- Problem Solving: Identifies problems and the solutions to them.
- Product & Technical Knowledge: Understands the products and services provided
- Time Management: Organizes and prioritizes tasks to maximize efficiency.
- Accountability: Takes ownership of and responsibility for work product and actions in the workplace; transparently communicates progress toward goals; readily admits to errors and seeks redress.
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- Competitive, market-based pay
- Comprehensive insurance benefits package including medical, dental, vision and more
- 401(k) plan with maximum 6% employer match
- Profit Sharing plan
- Generous paid time off plans
- Employee Health and Wellness program
- Community volunteer opportunities
- Career development and training opportunities
Savings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications, and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.
The physical and mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position is set in a quiet, office environment. The position is generally regarded as light work. Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with arms, talk or hear and use hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving may be required.
Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.
A post-offer physical is not required for this position.
