Business Banking & Consumer Services Specialist; CBSS - Farmville Branch

PRIMARY FUNCTION: Responsible for offering and selling financial products and services to both consumer and small business members. Performs thorough needs assessments on members and small business prospects and members to grow and deepen member relationships while ensuring quality member service. Primary focus is around small business lending, consumer lending, real estate lending, and building and growing a book of business.

JOB DUTIES AND RESPONSIBILITIES:

• Provides superior member service by accurately and efficiently performing all member service related transactions in accordance with VACU policies and procedures.
• Assesses consumer and business member needs, provides solid advice/recommendations, and builds strong relationships based on mutual trust to optimize sales opportunities with new and existing member/business clients.
• Acts as the primary point of contact within each branch for small business clients and the resident expert for small business products and services.
• Focuses on small business prospecting and deepening business membership needs, including small business lending packages, memberships and account openings.
• Makes outbound calls and conducts in-person visits to small business prospects and existing small business members to deepen relationships and uncover sales opportunities.
• Communicates professionally with business members and prospects via emails to support effective dialogue and engagement.
• Grows business prospects while nurturing and deepening existing business memberships to build a book of business.
• Maintains a strong understanding of mortgage and equity products to provide proper guidance and recommendations.
• Partners with the appropriate specialist and/or teammate to serve the member’s banking, small business, mortgage, and investment needs.
• Builds solid relationships with teammates, business partners and specialists by fostering teamwork, partnership and collaboration.
• Demonstrates initiative, commitment to continuous learning, and the ability to adapt to changing demands and requirements.
• Demonstrates knowledge of VACU policies and procedures related to the platform, including Security and Information Security.
• Establishes member relationships through quality service and cross-selling VACU products/services to meet member needs.
• Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority.
• Partners with branch management on all sales and service initiatives.
• Demonstrates the ability to provide effective decision making in the best interest of VACU, the branch and the member.
• Maintains appropriate knowledge of all VACU products and services.
• Answers the phone and responds to member inquiries professionally and accurately.
• Builds and retains member relationships by performing follow-up and courtesy calls to members.
• Ensures that business goals and individual member service and sales goals are consistently met.
• Provides quality service by following all member service expectations.
• Notary certification required; stays informed of all notary rules and regulations.
• Complies with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
• Completes all required enterprise level training including, but not limited to, BSA, OFAC, and Information Security.
• Reports all Risk Management Policy violations in accordance with policy.
• Develops and maintains working knowledge of all applicable federal and state regulations including corporate policies and procedures.
• Stays up to date on required loan documents, systems, credit reports and related lending documents.
• Other duties may be required and assigned by the supervisor.

JOB QUALIFICATIONS:

• Knowledge: Demonstrates understanding of products and services offered by financial institutions with a primary focus on competitive business lending, products, and services.
• Skills: Satisfactory computer skills required.
• Abilities: Professional and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills. Sound judgment. Ability to handle difficult situations. Ability to handle multiple tasks. Professional appearance and manner.
• Minimum
  
  Education and Experience:
  
  College graduate with concentration in business. May substitute work experience.
• Preferred experience in business banking and building a book of business.
• Significant experience with a financial institution with an emphasis on sales.
• Must be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS).

PHYSICAL REQUIREMENTS:

• This job requires the ability to sit and stand for long periods of time.
• This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.