Small Business Outside Sales Manager

JOB SUMMARY:

A Small Business Outside Sales Manager works under the direction of the Small Business Manager, performs and is responsible to process all business lending related functions and transactions for Small Business prospects and existing members. Identifies and offers lending solutions based on specific member needs. Focus on professional and exceptional member service to include co-workers and business partners.

ESSENTIAL FUNCTIONS:

• Develop and execute a strategic plan to acquire new Small Business Members within the designated market segment, outside of direct internal referrals
• Build strong relationships with small business owners and decision makers, understanding their unique financial needs and goals, to create a small business client pipeline
• Source new existing Small Business Memberships through a combination of visiting local business owners, utilizing call lists and personal networks, and other resources. Occasionally partnering with OnPoint’s Branch network and Commercial Teams to support internal referrals.
• Own the complex small business relationships, efficiently identifying business needs, recommending applicable products, and recommending referrals to other teams when appropriate.
• Leverage an advanced understanding of Small Business lending products and comprehensive underwriting criteria to provide exclusive guidance to OnPoint’s Small Business Members.
• Provide tailored recommendations to match the specific needs of their businesses, offering access to loan products with higher limits that align with their financial goals.
• Coordinate opening new business accounts, business online banking services, and business loans for Small Business Members.
• Focus on retention of current Small Business Members and work with Branches to present Group Banking opportunities.
• Act as the primary source of contact for Small Business Members to deliver the highest quality member experience, and works with internal employees and departments to resolve issues. Partners with Business Deposit Officer and Commercial Relationship Manager to refer products and best serve business members.
• Use the credit-scoring model as a tool, along with credit underwriting skills, to evaluate loan applications within Credit Union loan policy and makes determination for approval or denial within established credit limits. Refers applications in question or exceeding credit limits with recommendation to management for review.
• Advise members of loan decisions, process necessary paperwork, secures collateral with accurate documentation while keeping safety and soundness of the Credit Union a priority.
• Use a consultative approach and cross sell additional Credit Union products and services in order to meet/exceed established individual and/or team goals. Makes appropriate recommendations for commercial, digital, insurance and investment products and services.
• Provide support to Small Business Relationship Manager team by processing direct Small Business referrals when volume necessitates.

KNOWLEDGE, SKILLS & COMPETENCIES:

• Previous experience working with business accounts.
• Thorough knowledge of credit analysis, underwriting, administration, policy, and procedure.
• Ability to profile members using a consultative selling approach.
• Knowledge of finance and lending, including the processes involved in analyzing and interpreting information to achieve solid underwriting decisions and correct documentation.
• Ability to coordinate and complete a variety of assignments simultaneously and prioritize work.
• Work effective as part of a team and contribute individually and consistently with the Branch to meet and exceed set goals determined by the Credit Union.
• Ability to be self-directed and work under limited direct supervision.
• Effective verbal and written communications skills.
• Strong mathematical, problem-solving and negotiation skills.
• Proven client service, interpersonal and relationship building skills.

QUALIFICATIONS:

• High School diploma or GED required and Bachelor’s degree is preferred.
• Minimum of 5 years of previous experience in business banking and sales within a financial institution or equivalent field with underwriting skills preferred
• Experience with outside sales strongly preferred
• Proven experience consistently achieving goals and top tier performance in the same or similar role is preferred.
• Bilingual skills are highly desired.
• This position may require National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

PHYSICAL REQUIREMENTS:

• Reliable means of transportation is required. This individual will work onsite at a centralized location and travel to branches and businesses for appointments. Occasional remote work will be at managers discretion.
• Occasional bending/lifting/pushing/pulling of objects up to 40lbs.
• Frequent sitting and/or walking.
• Requires close visual acuity.
• Frequent use of hands to manipulate/grasp objects and forward reaching.
• Use of computer keyboard, calculator, and other office equipment.

Job Details

Job Family

Credit Admin

Job Function

ADL-Alternate Delivery Lending

Pay Type

Salary