Commercial Banking Team Leader
Company: Heritage Bank
Location: Everett
Posted on: May 27, 2023
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Job Description:
Base Salary Range
$151,180.00 - $188,980.00 - $226,770.00 annual
At Heritage Bank, we work hard, but also know how important it is
to take time off to stay healthy, relax, and spend time doing what
makes your heart happy!
As part of our team you'll enjoy a total rewards package, which
includes base salary based on the role, experience, and skill set,
along with an exceptional benefits package (medical, dental,
vision, life insurance, 401(k), community volunteer time), and
generous time off policy. Full-time team members receive a minimum
of 10 paid vacation days annually* and eight hours of paid sick
leave per month*, while also enjoying 11 paid holidays each
calendar year, and an annual float day. *pro-rated from start date,
and/or hours worked. To view Benefits Summary: Apply > Current
Openings > position > attachment.
Position Overview:
The commercial banking team leader is responsible for the overall
financial performance and management of an assigned commercial
banking team and market area, and is accountable for developing and
implementing a business plan to grow the assigned market area's
portfolio, while monitoring the portfolio to insure credit quality
standards and procedures are met.
The successful candidate will be able to:
Establish and services a sound loan portfolio by cultivating new
and expanding existing business through an effective calling
program. Regularly achieves and/or exceeds agreed upon benchmarks
and annual goals.
Participate in the strategic planning process ensuring the market
is identified, penetrated and managed to achieve and/or exceed bank
goals.
Develop annual business plan with Regional Manager to ensure
maximum profitability and effectiveness.
Regularly meets with bankers to ensure that individual goals and
objectives are set, monitored and met in support of the Bank's
strategic plan relating to market penetration and production.
Participate in coordinating the successful implementation of
marketing and promotional programs within the assigned market area
for new products and services. Maintains an awareness of
competitive products, practices, rates and changes in the local
market managed.
Foster and maintains cohesive partnerships and working
relationships with all lines of business within the Bank to build a
trusted and productive sales and service referral process.
Prudently manage all expenses within or under budget. Contributes
to the overall profitability of the bank through cost controls,
income generation and marketing efforts.
Develop and maintain a quality loan and deposit portfolio. Counsel
clients on business plans and strategies. Increase outstanding
loans and deposits and generate loan fee income consistent with
annual goals.
Develop and maintain an ongoing prospect list; cold calling on
prospective customers/clients. Assist assigned team to call on
non-customers; negotiate transactions; cross sell the Bank's
products and services; and obtain approval for new loan
requests.
Analyze and screen loan requests from team members. Prepare and
present for pre-flight, proper credit analysis on borrowing
requests, recommending loan terms and conditions. Negotiate terms
and conditions consistent with Bank policy, lending guidelines and
Asset/Liability guidelines with Credit Administration.
Initiate and develop new business through outside business
development activities. Achieves annual growth goals for loans,
deposits and fees to ensure the bank meets its overall financial
targets and conforms to credit terms.
Ensure timely and thorough monitoring of all credits in individual
portfolio, as well as assigned team members portfolio's, through
periodic reviews, continued analysis, proper credit quality
grading, and proper documentation. Maintains ongoing contact with
client to be kept current on significant changes in financial
condition or operations. Remedy loan deficiencies when appropriate.
Prepare and present all required and requested loan reports in a
timely manner.
Requirements:
Bachelor's degree in Business, Finance, Accounting or relevant
discipline - preferred.
8+ years of recent and progressively responsible commercial banking
experience providing financial expertise, counsel and customized
solutions to business clients; advanced knowledge of business
development, credit underwriting, loan structuring, credit and
credit quality and commercial real estate and C&I lending
practices, which includes a minimum of 2 - 3 years recent
experience in a supervisory / leadership role successfully managing
a team of bankers and support staff.
Formal credit training and/or Pacific Coast Banking School Graduate
or equivalent - highly desired.
Equivalent combination of education, training and management
experience may be considered.
Demonstrated ability to deliver exceptional customer service and
maintain client relationships, both internally and externally.
Customer-centric mindset, with the ability to translate customer
issues/needs into profitable business solutions.
Exceptional networking and relationship building skills, with
demonstrated expertise and success in business development and
sales processes and strategies.
A proven track record as an individual contributor who has grown
top line results in a service oriented business.
Strong leadership and managerial skills are required to manage,
motivate, and develop teams, which may include oversight and
management of multiple locations. Employee development, performance
management, training and employee counseling skills required.
Demonstrated ability to utilize management and leadership best
practices to plan, direct, schedule and review the work performance
of assigned employees, by providing ongoing feedback and
opportunities to learn, through formal and informal methods.
Inspires and fosters team commitment, pride, and trust. Facilitates
cooperation and motivates team members to accomplish individual and
group goals.
Highly effective listening, verbal, written, and telephone
etiquette business communication skills, including effective
questioning strategies and presentation skills; ability to read,
write, speak and understand English well.
Strong relationship management and influencing skills with the
ability to understand and operate successfully in a rapidly
changing and complex environment.
Strategic in approach to problem solving and decision-making, with
demonstrated ability to quickly focus on key issues, make decisions
under pressure of time constraints and translate business
development challenges into opportunities.
Strong planning, organizational, time management and follow up
skills, demonstrating a strong sense of urgency and ability to
execute quickly, timely and efficiently.
Thorough business and financial analysis and modeling skills, with
understanding of financial accounting, income statements, balance
sheets, etc., requiring the ability to gather, analyze and prepare
reports related to commercial bank and assigned business units
performance.
An ability to analyze and synthesize information accurately and
effectively, multi-task and decide key priorities with confidence,
motivation, decisiveness, flexibility, and sound business
judgment.
Thoroughly understands and appropriately applies principles,
procedures, requirements, regulations, and policies related to
assigned area of oversight.
Ability to handle and deal with sensitive and confidential matters
in an efficient manner.
Demonstrated ability to utilize management and leadership best
practices to plan, direct, schedule and review the work performance
of assigned employees, by providing ongoing feedback and
opportunities to learn, through formal and informal methods.
Inspires and fosters team commitment, pride, and trust. Facilitates
cooperation and motivates team members to accomplish individual and
group goals.
Proficient PC experience using MS Office products (Word, Excel,
Outlook) and retrieval of data; working knowledge of automated
financial systems, with the ability to learn and adapt to new
technologies quickly.
Working Environment/Conditions:
Climate controlled office environment.
There may be frequent employee and customer contacts and
interruptions during the day.
Work involves being able to concentrate on the matter at hand,
under sometimes distracting work conditions.
Work requires willingness to work a flexible and/or rotating
schedule which may require evening work.
May be exposed to outside climate conditions and/or required to
wear protective devises during site and property
visits/inspections.
Physical Demands/Effort:
Work may involve the constant use of computer screens, reading of
reports, and sitting throughout the day.
Ability to operate a computer keyboard, multi-line telephone,
photocopier, scanner, facsimile, which often requires dexterity of
hands and fingers with repetitive wrist and hand motion.
Typically sitting at a desk or table; intermittently standing,
stooping, bending at the waist, climbing, kneeling or crouching to
file materials and/or site/property inspections.Occasional lifting
10 - 20 lbs. (files, boxes).
The above statements are intended to describe the general nature
and level of work being performed and are not an exclusive list of
all qualifications for this position.
Heritage Bank is an Equal Opportunity Employer
Salary Range Disclaimer
The base salary range represents the min, mid and max of Heritage
Bank's salary range for this position. Actual salaries will vary
depending on factors including, but not limited to, qualifications,
experience, and job performance. The range listed is just one
component of Heritage Bank's total compensation package for full
time and part time employees. Depending on position, other total
compensation rewards may include monthly, quarterly or annual
incentive, and/or bonuses.
Keywords: Heritage Bank, Everett , Commercial Banking Team Leader, Accounting, Auditing , Everett, Washington
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