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Summary The Business Direct Center in Business Banking serves the banking needs of businesses (from startup businesses up to $1 million in revenue). The Business Direct Center (BDC) in Business Banking takes credit applications less than or equal to $250K for unassigned clients and prospects, nationwide. Business Banking is looking for business solution specialists to provide phone based consultation with focus on credit loan origination, client experience and risk management.
Principal Duties and Responsibilities (in order of importance)
Provide phone-based consultation to prospects and clients around the appropriate product (loan vs line) for loans less than or equal to $250K
Proactively follow-up on all credit referrals less than or equal to $250k from both consumer branch based employees and Business Relationship Managers
Use knowledge of business, finance, banking, credit and risk management to identify and recommend small business credit products that best serve the client while still working within risk parameters that protect the bank; credit products may include but are not limited to lines of credit for working capital, letters of credit for trade finance, term loans for equipment financing, and treasury credit facilities
Work directly with client to complete the application and fulfillment process, ensuring all necessary documents are included and complete
Submit all completed loan applications to Credit Service Center
Clearly communicate credit decisions and terms, including declinations and counter-offers, to clients and prospect with the goal of assisting the borrower with their access to capital need while keeping internal partners informed of loan status and decisions
Work with other business solution specialists to effectively manage the BDC's inbound call volume
Be client obsessed by delivering an excellent customer experience throughout the credit application and fulfilment process
Protect the firm by following sound risk management protocols, adhering to regulatory requirements, and credit policy
Knowledge, Skills and Experience
1 to 3 years' experience in credit origination or related business lending products
Bachelor's degree in Finance or related field, or equivalent work experience required
Ability to understand business financial statements, cash flow capacity, and loans across various industries and business types
Strong phone-based communication and negotiation skills with individuals at all levels, internally and externally
Ability to build relationships with clients, internal partners and peers
Ability to recognize issues or problems that need escalated
Ability to balance needs of clients with the needs and interests of the firm
Effective time management and prioritization skills to achieve business objectives