Small Business Specialist

Truist in Bally, PA

  • Industry: Financial Services - Banking/Investment/Finance - Others
  • Type: Full Time
position filled
Essential Duties and Responsibilities: Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time. 1.    Service business relationships for small business clients with up to $5MM in Total Business Exposure by delivering and executing on Perfect Client Experience Standards of Excellence. Reiterate the importance of the client’s relationship to the Bank to improve retention. 2.    Manage relationships virtually using channels such as phone and email to communicate with prospects and clients. Execute on prospecting activities to grow small business households. 3.    Initiate credit renewal process, including monitoring the Combined Future Maturities w/Gap Report and responding promptly to inquiries from Small Commercial. Proactively prepare documents for client execution, maintain current financial statements for certain clients, and evaluate renewals to determine if client would be better suited for a product that does not require future renewals (e.g. business credit card, leasing line of credit). 4.    Work extensively with Small Commercial to benefit from all scoring models and decisioning tools available in order to improve efficiencies associated with the portfolio. 5.    Maintain a proven history of above average credit skills and portfolio management skills, including problem loan and collections activities, as demonstrated by superior past due and loan loss results. 6.    Evaluate and extend credit terms in accordance with policy, recognizing when it is appropriate to seek higher counsel/authority. 7.    Manage discretionary pricing of loans and deposits to ensure an appropriate return. 8.    Assume responsibility for proper documentation and review of accounts. Ensure quality via follow-up and clearing of exceptions. 9.    Monitor loans to ensure complete conformity with terms and to identify developing trends. 10.    Proactively contact all clients, at least annually, to ensure small business banking relationships are fully developed including new credit needs, deposits and fee based revenue services. Ensure the retail banking needs of our clients’ (e.g. owners/management/associates) are met by partnering with Wealth and Private teams and branches. 11.    Manage client contacts, referrals, and pipeline through the Bank’s client relationship management (CRM) system. Respond to contact and cross-sell prompts provided through the system. 12.    Direct clients to the branch and online tools for additional servicing. Consistently communicate with branch teams so clients experience an integrated BB&T team regardless of the channel they select for servicing. Required Skills and Competencies: The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1.    Bachelor's degree in Business, or equivalent education and related training 2.    Three years of experience in banking industry or related work experience 3.    Possess an understanding of major technical aspects of small business underwriting, loan structure and deposits, and have a clear understanding of credit and finance 4.    Excellent verbal and written communication skills 5.    Proven self starter with problem-solving abilities 6.    Demonstrated ability to work in a team environment 7.    Very organized and efficient with demonstrated attention to detail and follow-up 8.    Demonstrated proficiency in basic computer applications, such as Microsoft Office software products 9.    Ability to travel, occasionally overnight Desired Skills: 1.    Master’s degree in Business Preferred 2.    Graduate of BB&T’s Leadership Development Program or equivalent program at another financial institution 3.    Work experience in lending or lending support BB&T now Truist is an Equal Opportunity Employer and considers all qualified applicants regardless of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. EEO is the Law     Pay Transparency Nondiscrimination Provision   E-Verify

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