This role serves as the account executive for new and existing complex clients and will be responsible for managing a portfolio with Average Loans Outstanding from $7.5MM to $20MM. Establishes and maintains a “trusted advisor” relationship with clients based on knowledgeable advice that is aligned to the clients’ business objectives and lifecycle. Develops and grows new business and builds/maintains strong relationships with prospects. Drives financial performance through profitable revenue and growth, and quality credit.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following: other duties may be assigned.
Achieves individual annual production and growth goals for loan, deposits and fees to ensure the bank meets its overall financial targets and conforms to credit terms.
Uses the Dashboard to track performance.
Initiates and develops new business through outside business development activities.
Ensures ongoing contact with new clients to enhance client’s experience with FIB.
Develops a comprehensive understanding of the client’s needs based on the review and analysis of personal bank business financial data gathered through relationship reviews and personal meetings. (Where appropriate, uses 360View to document activities.)
Actively participates in community organizations to source business development opportunities and demonstrates First Interstate Bank’s commitment to the communities we serve.
Builds client referral pipeline via identification and development of internal and external center of influence.
Develops and maintains an in-depth knowledge of products and services as well as knowledge of competitors and competitive products. Proactively promotes bank products and services and keeps clients informed of all the financial solutions FIB has to meet their needs.
Partners consistently with other internal business partners to uncover opportunities to deepen the client relationship.
Works on complex problems requiring in-depth evaluation of client information.
Makes decisions on loans and terms within established lending limits. Analyzes credit to determine the ability of clients to qualify for borrowing requirements.
Maintains follow up on existing loans to ensure compliance with internal procedures and other required terms.
Research and study industrial, commercial, economic and financial situations relating to existing and new business.
Maintain compliance with all bank regulations for assigned job function and applies to designated job responsibilities:
Knowledge may be gained through coursework and on-the-job training.
Keeps up to date on regulation changes.
Follows all Bank policies and procedures, compliance regulations, and completes all required annual training.
Actively engages, demonstrates and fosters the First Interstate Bank Mission, Vision and Values by executing the Service Commitments.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 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.
EDUCATION and/or EXPERIENCE
Bachelor's degree (B. A.) from a four-year college or university and one plus (1+) years’ experience; exhibits strong credit analysis and commercial underwriting skills, including accounting, financial statement and cash flow analysis experience; has completed Credit Analyst training; knowledge of commercial lending policies, procedures, practices and documentation; excellent written and verbal communication and presentation skills; ability to work effectively with individuals and groups across the company to manage customer relationships; proficiency with personal computers and related software packages such as Word and Excel; knowledge of the bank’s risk-rating system, credit products and underwriting policies.
OTHER SKILLS & REQUIREMENTS
Computer skills essential, including Word and Excel and Outlook. Experience with PowerPoint beneficial. Requires initiative and solid judgement with oral/written communication skills including facilitation. Ability to prioritize work and remain adaptable under pressure.
Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
While performing the duties of this job, the employee is regularly required to walk and talk or hear. The employee frequently is required to stand and sit. The employee is occasionally required to use hands to finger, handle, or feel; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.