Senior Banking Officer - Triangle at First Carolina Bank in Raleigh, North Carolina

Job Description:

Position Purpose:
· This role works in partnership with the Director - Retail Banking and Market Executives to ensure their respective market meets its goals for portfolio management and growth in categories of residential real estate lending, small business banking, commercial lending, and deposits.

Primary Responsibilities:
· Meet or exceed deposit goals and loan production set by Senior Management by promoting the Bank's products and services.
· Implement the Bank's retail sales strategy to identify new deposit and loan opportunities within respective market
· Respond to customer inquiries and concerns
· Responsible for account retention
· Contact current and potential bank customers by mail, phone or in person to solicit new business to meet specific goals as outlined
· Counsel customers regarding financial matters
· Prepare loan packages and present to Director - Government Lending & Consumer Risk for approval
· Call delinquent loan customers to arrange satisfactory payment arrangements
· Verify customer documentation is completed accurately and sent to the appropriate department for processing
· Builds relationships with customers, prospects, and coworkers by providing outstanding customer service
· Assist Loan Operations by securing proper documentation and manages loan process through closing of loan
· Performs other duties as requested by management

Authority, Impact, Risk:
· Check Cashing Authority
· Official Check Authority
· Wire Signing Authority
· Regulatory examinations, Fair lending compliance, real estate secured disclosures
· Branch coverage due to vacations, illness, leaves of absence
· BSA, fraud, identity theft
· Failure to complete documents accurately could impact legality and collectability of loan and result in negative audits both internal and external and potential fines from Regulators for violation of regulations
· Timely follow up on documentation and close coordination with all parties involved in the loan is critical, failure to deliver on time could result in customer dissatisfaction and reputational risk
· Exercises good judgment that balances risk to customers and potential customers when making decisions

Key Relationships:
· Key partnership with Managing Director - Retail Banking and Director - Retail Banking
· Close partnership with Market Executives, Managing Director - Residential Mortgage, Chief Operating Officer, Executive Managing Directors of CRE and C&I Banking, Senior Director - Treasury Management
· Branch Supervisor and Universal Bankers
· Routine interaction with department heads across Lending, Operations, IT, Risk, Sales, and Compliance
· Board Members, Shareholders, customers
· Regulatory examiners as appropriate and directed by Senior Management

Managerial Accountability:
· N/A

Working Conditions:
· The incumbent in the course of performing the duties this position spends time writing, typing, speaking, listening, lifting (up to 20 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception, and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching
· Ability to work under tight deadlines
· Good communication
· Some travel
· Prepare presentations, conduct training, and hold meetings

Time Allocation:
· Deposit & Loan prospecting referrals and production….75%
· Service existing loans/deposit accounts…………….…….15%
· Outbound calls to existing customers (past dues, maturity, follow-up, etc.) ……….….….10%

Job Specifications:
Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required:
· Bachelor's Degree
· 8+ years progressive banking/lending/management experience
· Exceptional human relations and communication skills
Preferred:
· Familiar with lending functions and regulatory requirements
· JHA Silverlake experience
· JHA Synergy experience

Risk Management Requirements:
Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities