Private Banker IV

Position Overview: 
The Private Banker IV operates with a high degree of independence and serves as the client relationship manager for a significant portfolio, focusing on business development and securing new full relationships, including wealth management. This role represents the bank and projects a positive image as a stable, profitable, and expanding financial institution. The Private Banker IV actively grows the existing deposit base and addresses lending needs, including consumer, mortgage, and commercial real estate, primarily for professionals and executives such as medical doctors, dentists, accountants, attorneys, engineers, architects, and corporate executives. This role emphasizes bringing top-tier clientele with high margins and profit potential into the bank. This position strongly emphasizes collaboration with other bank lines of business, serving as the primary point of contact and key relationship manager for all private bank clients within their respective portfolio. Additionally, this role assists with transformation efforts across the network, ensuring alignment with the bank's annual budget and strategic message.
Essential Functions: 

• Collaborates with Private Bank Relationship Managers, the Sales and Service network, and business lines to create a superior customer service experience, thereby strengthening customer relationships with the bank and increasing acquisition, utilization, and retention across targeted demographics and markets.
• Adheres to all policies, procedures, and applicable laws.
• Initiates and cultivates new loan relationships through active marketing efforts, including calls, visits, community involvement, and entertainment, establishing a strong ongoing marketing effort with assigned branch locations.
• Analyzes and provides recommendations on business loans by interviewing applicants, assessing financial strength, defining banking needs, evaluating management abilities, and determining associated risks.
• Ensures complete analysis of all financial, industry, and management information, and prepares and reviews proper loan documentation.
• Sustains existing customer relationships by maintaining regular contact, assessing banking needs, financial trends, and changes in the organization or industry, and cross-selling new and existing products and services.
• Assists other commercial lending officers in analyzing credits, cross-selling products and services, and engaging in marketing activities.
• Actively participates in the bank's marketing program, community involvement projects, and banking organizations.
• Attends Officers' Loan Committee Meetings as a non-voting member and participates in Directors' Loan Committee and other necessary meetings.
• Engages in collection efforts for problem loans to reduce the bank's loss.
• Acts as a relationship manager, establishing and maintaining primary contact relationships with targeted customers to maximize the lifetime value of these key relationships, providing a full range of financial/banking services with the assistance of appropriate specialists, and building loyalty and driving profitable revenue growth.
• Resolves immediate customer concerns and account issues, manages a portfolio of targeted/high-value customers, develops and executes client retention and expansion activities, and ensures a coordinated and consistent message reaches targeted customers across all delivery/servicing channels.
• Participates in special projects as requested.
• Performs other duties as assigned.
• This position may require travel within the Bank’s geographic area. 

 
 


Experience & Education:

• Minimum of seven years of private banking experience.
• Four-year college degree in Finance, Accounting, Business Administration, or a related field.

Skills & Qualifications: 

• Proficiency in credit underwriting. 
• Demonstrated sales and relationship management skills.
• Promotes a culture of collaboration and teamwork across organizational boundaries, breaking down functional silos to optimize business results and encourage overall growth.
• Ability to work enthusiastically with people outside of their immediate team to drive consensus and results.
• Strong influence and negotiation skills.
• Experience with Fiserv and EnAct preferred.
• Proficiency in financial/statistical analysis and document processing.

Other Requirements: 

• Register and maintain registry as a Mortgage Loan Officer (MLO) with the Nationwide Mortgage Licensing System (NMLS) and Registry in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act).
• Meet and maintain financial responsibility, character, and general fitness standards along with all other established requirements for an individual Loan Originator (LO) in accordance with Regulation Z.
• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.