Citizens Trust Bankposted 5 days ago
Full-time - Mid Level
Atlanta, GA
Credit Intermediation and Related Activities

About the position

Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution's values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth.

Responsibilities

  • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Chattanooga, Tennessee area.
  • Plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships.
  • Establishes effective and lasting business relationships; responds quickly to referrals.
  • Evaluates the creditworthiness of prospective customers ahead of submission to underwriting.
  • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction.
  • Attends, participates, promotes, and represents the bank at business, professional, and community events.
  • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries.
  • Manages all aspects of relationships to ensure maximum profitability and credit quality.
  • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives.
  • Maintains a sound working knowledge of all products, services, and solutions offered by the bank.
  • Demonstrates commitment to excellence; consistently provides superior customer service.
  • Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards.
  • Develops and executes business development and strategic plans for meeting production and sales goals and objectives.
  • Maintains an updated pipeline report, call report, and prospect database on a weekly basis.
  • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions.
  • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals.
  • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices.
  • Protects customers' information and interests; identifies and complies with all legal requirements.
  • Proactively utilizes the bank's customer relationship system, tools, programs, and other resources to meet goals and objectives.
  • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested.
  • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand.
  • Collaborates and cultivates effective relationships with all business lines for excellent results.
  • Exceeds all established performance and position's goals, objectives, and expectations.

Requirements

  • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment.
  • Bachelor's degree in finance, economics, business, accounting, marketing, communications, management, or a related field.
  • Series 7 and 63 Licenses are a plus.
  • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA).
  • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment.
  • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills.
  • Strong problem solving, team building, planning, persuasive, and negotiation skills.
  • Ability to establish credibility, respect, be decisive, establish good business and working relationships.
  • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker.
  • Ability to adhere to the bank's professional dress code and convey a positive and professional image.
  • People and results-oriented; aggressive and assertive with a high energy level.
  • Ability to meet performance goals, objectives, and deadlines.
  • High integrity with the ability to handle confidential matters.
  • Ability to display a high degree of creativity and latitude when performing job functions.
  • Proven ability to develop profitable new business, close business deals and transactions.

Nice-to-haves

  • Demonstrated career achievements and academic excellence.
  • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office, and Internet Explorer.

Benefits

  • Medical, Dental, Vision, and Prescription
  • 401(k) Retirement Plan
  • Life Insurance
  • Accidental Death & Dismemberment
  • Short&/Long Term Disability
  • Flexible Spending Plan
  • Paid Time Off, Vacation, and Holiday Pay
  • Tuition Reimbursement
  • Employer Assisted Housing Program
  • Wholesale Membership Program
  • Wellness Program
  • Employee Assistant Referral Services (EAP)
  • Legal Shield Program
  • Group Cancer & Accident Insurance Programs
  • Worker's Compensation Program
  • Free Banking Services
  • Awards and Recognition Programs
  • Training & Development Programs
Hard Skills
Digital Technology
1
Excel Services
1
Information Management
1
Microsoft Windows ME
1
Personal Computers
1
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Soft Skills
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