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Business Specialist

Location: Cincinnati
Posted on: May 11, 2024

Job Description:

GENERAL FUNCTION: Responsible for the business development, relationship management and client experience of companies with annual gross sales of at least $1MM up to $3MM. Assist the business owner inachievingtheirfinancialgoalsbyprovidingsmartfinancialsolutions for both personal and business needs. Expand a book of business as a trusted advisor for clients and prospects; collaborate with BBRMs and FCMs along with a team of product partners utilizingtheOneBankSalesCycletounderstand theclients'' andprospects'' holistic business needs. Through such collaboration, develop revenue growth by identifying needs and providing needs based solutions and services to theclient/prospect.Serviceswouldincludeloans,deposits,treasury management,merchant processingand all other applicable business banking solutions. Work location is in Cincinnati.


Sales/Goals Function:

. Use the consultative sales process and CRM to build a thorough customer profile and identify short and long term financial needs.

. Effectively manage a book of business of Retail Small Business. Manage relationships to increase cross-sell and maintain high customer retention.

. Maintain an in-depth knowledge of Retail small business products/services and recommend appropriate solutions using our value proposition.

. Utilize CAMP and other approved Marketing tools to proactively reach out to consumer and small business customers and set appointments for periodic financial reviews, including outbound calls to SB book of business.

. Establish close working relationships with assigned Business Partners (BBRMs, Mortgage, RMs and Investment Executive), referring customers when appropriate to provide timely, holistic financial solutions.

. Initiate contact with SB prospects through a variety of methods such as business and communication events, networking and relationships.

. Partner with BBRM to identify Retail SB and BB prospects and to strategize on the optimal

management of SB clients in your shared geography/FC location.

Business Development

. Work closely with assigned financial centers to deepen existing relationships and acquire new prospective relationships.

. Prospect for clients independently by utilizing referral sources, existing clients and centers of influence.

Portfolio Management

. Ensure that customer relationships are managed to maximize revenue contribution, while

mitigating risk and focusing on customer needs.

. Work with product partners (Affiliate- Retail IE, WMA, TMO, etc. and Bancorp- Vantiv, Paycor, etc.), analyze, evaluate and develop a tailored relationship strategy for each client or prospect.

. Cross-sell all applicable 5/3 products and services to an existing portfolio of business customers and their owners/senior management with the ultimate goal of being client''s Lead or primary bank.

Client Experience

. Effectively execute and follow through on One Bank meetings, pre-call planning processes, One Bank Consultative Sales approach and prompt post call follow up.

. Utilize the Bank''s Customer Relationship Management (CRM) system for client activity tracking, call reports and pipeline management.

Credit Excellence

. Partner with Credit (Business Loan Center) and on credit requests and adhere to established

. Portfolio Management guidelines.

. Achieve credit standards and metrics in regard to asset quality, credit administration

(matured/renewals, financial statement documents, covenant data integrity, matured notes and document exception) and RAROC.

Monitor, on an ongoing basis, information concerning customer financial performance, condition and industry trends to determine that any credit exposure is at an acceptable risk, and priced accordingly.

. Responsible for completing all training on schedule including sales, credit, product knowledge and compliance.

. Complete administrative responsibilities in a timely manner.


Keywords: , Cincinnati , Business Specialist, PR / Public Relations , Cincinnati, Ohio

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