Market Relationship Banker
Old National Bank Job In South Bend, IN
Old National Bank has been serving clients and communities since 1834. With over $50 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.
We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of
Impact Network Groups
led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.
Responsibilities
Old National Bank is seeking a Market Relationship Banker to join our Community Banking Team. This position is unique; it will allow you to work at several different branches, giving you the opportunity to know the personalities at each location. The Relationship Banker develops and cultivates long-term client relationships by providing insight, advice, and personalized financial solutions for their clients. Relationship Bankers are responsible for retaining and deepening existing client relationships through cross-selling, establishing new banking relationships, referring clients to product partners (e.g., Mortgage, Investments, Small Business, Treasury Management, Merchant Services, Private Banking, Wealth Management, Commercial), educating clients on digital solutions, providing account servicing and maintenance, effectively resolving client servicing issues, and processing. Relationship Bankers are active in their communities through outreach efforts and through service with community organizations.
Salary Range
The salary range for this position is $17.00/Hr. - $29.75/Hr.. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled.
Key Accountabilities
Develop and grow client and prospective client relationships
Consults with clients/prospective clients over the lifecycle of the relationship to uncover needs, educate, and advise on product and service alternatives that align with the client's financial objectives.
Cross sells products and services and refers to business product partners to ensure client needs are met.
Maintains contact with client base through periodic proactive touch points (on-boarding, service follow up, etc.)
Achieve Sales and Service Targets
Markets a full range of consumer and small business banking services to existing and prospective clients through proactive techniques such as lobby engagement, outbound telephone calls, marketing campaigns, or in-house events; may occasionally participate in outside sales calls.
Maintains well-developed knowledge of all products and services and effectively applies that knowledge to understand and fulfill client needs.
Proactively seeks coaching to develop service and sales skills; shares knowledge and best practices to enhance the team's skills and performance.
Operations Oversight
Proactively resolves moderate to complex customer maintenance and/or client service problems using available resources for problem resolution, including analysis and understanding of information received from other internal departments such as Loan Operations, Deposit Operations, Internal Bank Support, Reconcilement, Risk Management, etc.
Maintains and demonstrates in-depth knowledge of the different banking channels and educates clients on emerging technology and digital solutions including mobile, online, and ATM offerings to enhance their service experience.
Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements.
Follows all fraud prevention procedures and attends training to stay up-to-date on evolving fraud tactics.
Key Competencies for Position
Culture Leadership:
Communication - applies active listening skills and skillful use of questions to understand the client's situation, needs, and desired outcome(s); adapts communication style and approach to accommodate individual needs and preferences.
Collaboration - seeks, develops, and maintains trusted relationships with others to achieve business goals/objectives; shares knowledge, information, ideas, and suggestions to accomplish mutual goals.
Execution Leadership:
Drive and Execution - Committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; leverages opportunities to collaborate with others to achieve results; consistently achieves performance targets.
Problem Resolution/Decision-Making - With minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources to ensure effective action and shared ownership; decisions are sound based on what was known at the time and based on a blend of analysis, wisdom, experience, and judgement.
Client Leadership:
Client Leadership - Puts the client at the forefront of everything they do; continually seeks first-hand client information and perspective and uses this insight to shape one's own behaviors and actions; examines implications of decisions and actions from the perspective of the client before acting.
Key Measures of Success/Key Deliverables
Executes strategies to improve client retention including cross-selling products and services, proactive personalized outreach, effective resolution of servicing issues, monitor and seek client feedback, etc.
Contributes to the banking center's financial success by achieving targets for loan production, new account production, line of business referrals, and digital banking enrollment.
Acquires new Community Bank relationships through cultivating a strong referral network and outreach efforts.
Position Levels
There are two levels of Relationship Banker, depending on banking experience including client service, deposit, and lending experience. Bankers must demonstrate completion of required training programs, licensing or specialized training, and acceptable performance to goals to be considered for further advancement. Licensing or registrations must be maintained current and in good standing in accordance with program guidelines. Positions may be based at a specific banking center or be a “Market” position that supports all banking centers in a defined market.
Relationship Banker
Demonstrates ability to handle all transactions, servicing needs and inquiries upon completion of required training.
Must achieve account opening goals, partner referrals, lending and credit card goals along with completing quality Client Financial Profiles.
Qualifications and Education Requirements
High School diploma or GED Equivalent
Minimum one year relationship-based client consultation and/or consultative sales experience (banking industry a plus)
Eligible to register with the National Mortgage Licensing System and Registry (NMLS) or currently NMLS registered.
Relationship Banker II
Experienced bankers who have successfully completed the requirements of a Relationship Banker, including all new hire training and the Relationship Banker Learning Path within defined timeframes, or bankers with existing experience in a similar role at another financial institution, including NMLS registered.
Demonstrates consultative sales skills and strong service levels to build and deepen client relationships.
Consistently meets or exceeds account opening and lending goals, credit card goals, partner referrals, and quality Client Financial Profiles.
May manage an assigned client portfolio to handle all consumer banking relationship needs.
Encouraged to participate in their community through service in a Community Organization, Not-for-Profit volunteer, Business-Related Networking groups, or similar organizations.
Completes Relationship Banker Development Program to demonstrate advanced proficiency in role.
Qualifications and Education Requirements
High School diploma or GED Equivalent
Minimum one year relationship-based client consultation and/or consultative sales experience
Minimum one year banking experience including deposit/transaction processing, account servicing, new account opening and consumer lending
Currently registered with the National Mortgage Licensing System and Registry (NMLS) or previously registered and eligible to immediately re-register.
Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.
As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.
We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position.
Our culture is firmly rooted in our core values.
We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical.
We are Old National Bank. Join our team!
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If you're qualified for a position but need additional help with the application because of a disability, please email ************************** (This email will respond to accommodation requests only.)
Representative I, Consumer & Mortgage Servicing, South Bend, IN
South Bend, IN Job
ESSENTIAL REQUIREMENTS * Responsible for taking inbound calls from consumer and mortgage customers. * Administers escrow accounts, including tax, insurance and MIP/PMI payments and ensure timely disbursements * Maintains accurate and up-to-date loan records in the system related to customer service notes, insurance maintenance and follow-up and other relevant information.
* Responsible for the completion and delivery of all payoff quote requests in a timely manner.
* Generates reports and/or complete project work as needed.
* Responsible for the completion of all compliance training related to the position.
* Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* One (1) - two (2) years of experience in loan servicing, customer service, or a related field preferred
* Knowledge and/or experience with consumer/ mortgage servicing software and/or systems.
* Ability to execute in a fast-paced environment while balancing multiple priorities.
* Ability to navigate multiple computer systems, applications, and utilize search tools to find information.
* Basic Microsoft Office skills (Word, Excel, Outlook).
* Ability to effectively listen and elicit information.
* Ability to sit for extended periods of time wearing a telephone headset.
* Excellent verbal, written, and interpersonal communication skills.
* Ability to meet or exceed goals and objectives while fostering a team atmosphere.
* Ability to work effectively in a structured but flexible environment.
EDUCATION
High School Diploma/GED required.
TRAVEL REQUIREMENTS
Ability to travel to all locations as well as ability to travel over night, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Aircraft Ops Specialist I, South Bend, IN
South Bend, IN Job
Responsible for preparing business loan documentation, ensuring the bank has collateral perfection, and performing post-closing loan servicing to adhere to the credit approval and the bank's policies and procedures. ESSENTIAL REQUIREMENTS
* Reviews and determines the appropriate documentation and perfection requirements according to the credit approval within service standard agreements.
* Examines loan documentation for accuracy, completeness and properly executed signatures.
* Ensures appropriate due diligence requirements are completed and funds transactions.
* Works closely with relationship managers and documentation staff in processing loan and lease transactions.
* Boards loans to loan system and performs a 2 day verification of financial data.
* Follows up directly with internal and external customers for pending items.
* Reviews and updates various reports working with relationship managers and customers to gather required documentation or information to clear the exceptions.
* Responsible for the completion of all compliance training related to the position.
* Must understand all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* One (1) to three (3) years of related experience preferred.
* Prior commercial loan documentation and perfection of lien experience preferred.
* Good PC skills--proficiency in Microsoft Word and Excel essential.
* Knowledge of commercial loan documentation.
* Knowledge of UCC Article 9 perfection.
* Knowledge of real property lien perfection.
* Good communication and organizational skills.
* Ability to handle multiple tasks in a fast-paced environment.
* Detail oriented.
EDUCATION
Bachelors Degree preferred.
TRAVEL REQUIREMENTS
Ability to travel to all locations as well as ability to travel over night, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Brokerage Assistant II, PART TIME, Asset Advisors, Mishawaka, IN
Mishawaka, IN Job
Assists Financial Consultants with administrative and customer service support requests within the division/region. ESSENTIAL REQUIREMENTS Assists Financial Consultants in the following:
Maintaining the highest standards of customer service by developing and managing all customer service functions and programs.
Account and transaction problem resolution.
Maintenance of proper customer and other required files and customer service support by handling daily calls to resolve problems or inquiries in an efficient and timely manner as requested as needed.
Attends client and team meetings.
Maintains, acquires, and completes annual continual education on all licenses and designations, as appropriate.
Completes all compliance training related to the position.
Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
One (1) or more years' experience or equivalent experience in a related field preferred.
Good organization and time management skills to handle multiple tasks in a fast-paced environment.
Ability to prioritize.
Good written and verbal communication skills.
Ability to work with different departments and business entities.
Series 7 and 66 registrations preferred or be willing to attain.
Life and Health license preferred or be willing to attain.
EDUCATION
Bachelor's Degree preferred.
TRAVEL REQUIREMENTS
Ability to travel to all branch locations as well as ability to travel overnight, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office laptop, fax, phone and standard office equipment.
Specialist, Treasury Services Sales Support, Valparaiso, IN
Valparaiso, IN Job
We are looking for a driven achiever to learn commercial banking and sales from a highly successful and experienced team. The successful candidate will support a strong portfolio of commercial customers and partner with a seasoned sales professional; surfacing opportunities to add new services and grow revenue. This Specialist will report to our Treasury Support Manager with a dotted line to our Treasury Services Sales Manager.
POSITION SUMMARY
Responsible for customer support, customer analysis and sales support for Treasury Services products and services.
ESSENTIAL REQUIREMENTS
* Asks targeted questions to gather information and solve technical customer issues on Treasury Services solutions; including PC support (hardware and software issues).
* Ensures that customer calls and emails are answered in a prompt, efficient and accurate manner.
* Responds to both external and internal customer inquiries ensuring that all needs are met and handled appropriately during their initial contact.
* Monitors transaction activity and in-use treasury services for customers in the portfolio; provides insights to Treasury Services Sales Specialist for proactive customer outreach
* Prepares customer-facing presentations for Treasury Services Sales Specialist relationship reviews.
* Generates proposals and setup documents for new Treasury Services products and/or services.
* Answers questions from internal partners regarding Treasury Services products and services.
* Uses product, procedure and policy knowledge to make effective recommendations to customers to resolve initial technical and product issues.
* Provides training on Treasury Services products and services.
* Executes documentation to facilitate Treasury Services customers' daily processing needs that are exceptions to normal daily operations.
* Provides customer support to Remote Deposit customers.
* Responsible for the completion of all compliance training related to the position.
* Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* Four (4) years sales experience or equivalent experience in a related field preferred.
* Prior Treasury Services (or Treasury Management) and banking experience preferred.
* Knowledge of project management.
* Great PC skills--proficiency in Microsoft Word and Excel essential.
* High degree of self motivation and ability to work autonomously.
* Strong customer service.
* Great written and verbal communication skills.
EDUCATION
Bachelor's degree in business strongly preferred.
TRAVEL REQUIREMENTS
Ability to travel as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Intern, Loan Workout, South Bend, IN
South Bend, IN Job
Provides administrative support to management to contribute to the overall efficient operation of the department. Works closely with officials of lending and borrowing institutions to better secure collateral, equity or other assets. ESSENTIAL REQUIREMENTS
* Learn the basics of Loan Workout and Recovery
* Provides support to the SFG & BBG loan functions with respect to problem credits.
* Complete assigned reports and/or projects by management by identified deadline.
INTERNSHIP BASICS
* 10-12 week summer duration desired, flexible start and end dates
* 40-hour anticipated work week, Monday through Friday
* Paid opportunity
* Located in South Bend, IN
Intern Program Activities (anticipated, subject to change): June - early August
* Orientation Kickoff
* Networking opportunities to connect you with other Interns, Colleagues and Senior Management.
EXPERIENCE/SKILLS
* Junior or Senior, majoring in Accounting, Business or Finance desired
* Interested in pursuing a career in banking
* Strong MS Office skills (Word, Excel)
* Demonstrated analytical and problem-solving skills
* Strong organizational skills, ability to multi-task
* Solid verbal and written communication skills
* Detail-oriented and accuracy a must
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions. While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Loan Review Analyst II, South Bend, IN
South Bend, IN Job
Responsible for reviewing loans to ensure that grading is accurate, acceptable credit standards are maintained and loans are in compliance with established loan policies. ESSENTIAL REQUIREMENTS Analyzes and conducts systematic loan reviews of business-related credits to ascertain adequacy of credit quality, loan documentation, and compliance with established policies. Identifies and evaluates credit risk within the Business Banking and Specialty Finance Group loan portfolios. Documents procedures and controls as necessary. Monitors, tracks and analyzes performance of multiple companies in various industries. Responsible for identifying risk and prioritizing workflows. Performs reviews on schedule in accordance with an annual plan along with additional ad hoc reviews upon request. Detects potential problem loans at early stages. Performs initial review of Special Attention credits and creates a Special Attention Report for relationship manager follow-up. Attends various standing credit approval committees to stay apprised of new credit relationships and monitors existing relationships. Detects adverse trends in credit quality, underwriting standards and loan monitoring. Measures the appropriateness of and adherence to credit policies and procedures. Interacts with relationship managers, credit analysts, and other lending and loan documentation personnel regarding credit concerns. Prepares annual portfolio memos identifying risks and summarizing findings. Performs process reviews as directed. Assists with training and mentoring of less experienced loan review personnel. Completes all compliance training as scheduled. Develops knowledge and expertise in the area of regulatory issues, especially in relation to the lending function, and complies with the requirements. NON-ESSENTIAL FUNCTIONS Performs all other duties as assigned. EXPERIENCE/SKILLS Five (5) years' experience or equivalent experience in a related field preferred. Prior lending and/or credit experience preferred. Strong analytical skills. Self-directed; highly motivated. Ability to work independently and manage workflows. Ability to assume multiple responsibilities. Well-developed written and verbal communication skills. Strong PC skills--proficiency in Microsoft Word and Excel essential. EDUCATION Bachelor's degree required; concentrations in Accounting, Finance or Business preferred. TRAVEL REQUIREMENTS Minimal or occasional travel for meetings, projects or training as needed. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions. While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT MS Office PC, phone and standard office equipment
Customer Experience Banker-(Portage, MI)
Portage, MI Job
Our branch banking roles offer a welcoming and inclusive team environment where you are empowered every day to help our customers achieve their financial goals. Our branch colleagues have an opportunity to share ideas and voice opinions that directly impact our customers, our bank, and our communities for the better. As a Customer Experience Banker Non NMLS, you are a Financial Concierge for our walk-in customers. You are responsible for retaining and growing consumer and business customer relationships by proactively identifying financial goals and needs, recommending appropriate deposit, and other banking products and services. Processes customer transactions accurately and efficiently and balances daily while providing exemplary customer service.
Duties & Responsibilities:
+ Providing excellent customer service and effectively resolving customer issues.
+ Being proficient in understanding and educating customers on consumer deposit products.
+ Proactively identifying opportunities to grow customer relationships through a disciplined sales process, new customer follow-up program, outbound calling, and sourcing referrals from customers and partners.
+ Educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership.
+ Adhering to all operational, security, risk and regulatory policies and procedures.
+ Demonstrating acumen in sales, customer service, relationship management, banking, communication and presentation.
+ Other duties as assigned.
Basic Qualifications:
+ High School Diploma or GED and minimum of 1 year customer service or military service in an administration, contracting, civil affairs, or similar role or a Bachelor's Degree.
Preferred Qualifications:
+ 1 year or more in customer service in banking, financial services or goal driven retail sales.
+ Cash handling skills.
+ Comfort with technology such as mobile services and online banking services.
Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
No
Workplace Type:
Office
Huntington is an equal opportunity and affirmative action employer and is committed to providing equal employment opportunities for all regardless of race, color, religion, sex, national origin, age, disability, sexual orientation, veteran status, gender identity and expression, genetic information, or any other basis protected by local, state, or federal law.
Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.
Agency Statement: Huntington does not accept solicitation from Third Party Recruiters for any position
Huntington will not sponsor applicants for this position for immigration benefits, including but not limited to assisting with obtaining work permission for F-1 students, H-1B professionals, O-1 workers, TN workers, E-3 workers, among other immigration statuses. Applicants must be currently authorized to work in the United States on a full-time basi
Senior Analyst I, Credit, South Bend, IN
South Bend, IN Job
Responsible for assisting the sales staff through the evaluation, analysis and management of loan transactions of current and prospective customers including periodic reviews. ESSENTIAL REQUIREMENTS
Assists Relationship Managers with new and existing credit relationships.
Reviews financial statements, prepares summaries, facts and opinions concerning credit worthiness.
Communicates directly with CEO, CFO, CPAs and attorneys of customers and prospects regarding credit related matters.
Reviews and administers loan and loan commitments to ensure adherence to policy guidelines and documentation is adequate to secure collateral.
Develops and prepares reports and records relating to business loans, as required.
Properly grades the account.
Performs cash flow and financial analysis.
Manages annual customer performance.
Approves loan requests up to assigned credit authority.
Responsible for the completion of all compliance training related to the position.
Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS Performs all other duties as assigned. EXPERIENCE/SKILLS
Five (5) years or more of credit analysis experience preferred or equivalent experience in a related field preferred.
Credit skills that would allow for accurate and appropriate credit underwriting of a loan request.
Ability to assess collateral values.
Ability to utilize various software packages (i.e., nCino, Salesforce, Microsoft).
Ability to assess customer management's abilities.
Good PC skills--proficiency in Microsoft Word and Excel essential.
Good analytical and quantitative skills.
Ability to communicate verbally and in written format.
Ability to think independently.
EDUCATION Bachelor's degree in Accounting or Finance preferred. LICENSES/CERTIFICATIONS RMA-CRC credentials preferred.
TRAVEL REQUIREMENTS
Ability to travel to all locations as well as ability to travel over night, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Loan Services Specialist I, Construction Equipment Operations, South Bend, IN
South Bend, IN Job
Responsible for preparing business loan documentation, ensuring the bank has collateral perfection, and performing post-closing loan servicing to adhere to the credit approval and the bank's policies and procedures. ESSENTIAL REQUIREMENTS
Reviews and determines the appropriate documentation and perfection requirements according to the credit approval within service standard agreements.
Examines loan documentation or accuracy, completeness and properly executed signatures.
Ensures appropriate due diligence requirements are completed and funds transaction within set authority.
Works closely with relationship managers and documentation staff in processing loan and lease transactions.
Boards loan to loan system and performs a 2
nd
day verification of financial data.
Follows up directly with internal and external customers for pending items.
Performs monthly review of various reports to ensure accuracy including financial and regulatory data and perfection of bank's lien.
Performs necessary follow up and updates to ensure compliance.
Manages various reports clearing exceptions and performs collateral audits working with relationship managers and customers to gather required documentation or information to clear the exceptions.
Reviews paid loans to release banks' security interest and executes all related documentation.
Responsible for the completion of all compliance training related to the position.
Must understand all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS Performs all other duties as assigned. EXPERIENCE/SKILLS
One (1) to three (3) years of related experience preferred.
Prior commercial loan documentation and perfection of lien experience for titled, non-titled and real estate collateral preferred.
Good PC skills--proficiency in Microsoft Word and Excel essential.
Knowledge of commercial loan documentation is preferred but not required.
Knowledge of UCC Article 9 perfection is preferred but not required.
Knowledge of real property lien perfection is preferred but not required.
Good communication and organizational skills.
Ability to handle multiple tasks in a fast-paced environment.
Detail oriented.
EDUCATION Bachelors Degree preferred. TRAVEL REQUIREMENTS Ability to travel to all locations as well as ability to travel overnight, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions. While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds. EQUIPMENT MS Office PC, fax, phone and standard office equipment.
Intern, Solar Financing, South Bend, IN
South Bend, IN Job
The intern, under the direction of the Solar team, would be a dedicated resource for a master project to pull data from various spreadsheets and financial statements and create a master data spreadsheet. ESSENTIAL REQUIREMENTS * Learn the basics of Solar Financing
* Assist with creating a master data spreadsheet
* Complete assigned reports and/or projects by management by identified deadline.
INTERNSHIP BASICS
* 10-12 week summer duration desired, flexible start and end dates
* 40-hour anticipated work week, Monday through Friday
* Paid opportunity
* Located in South Bend, IN
Intern Program Activities (anticipated, subject to change): June - early August
* Orientation Kickoff
* Networking opportunities to connect you with other Interns, Colleagues and Senior Management.
EXPERIENCE/SKILLS
* Junior or Senior, majoring in Accounting, Business or Finance desired
* Interested in pursuing a career in banking
* Strong MS Office skills (Word, Excel)
* Demonstrated analytical and problem-solving skills
* Strong organizational skills, ability to multi-task
* Solid verbal and written communication skills
* Detail-oriented and accuracy a must
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions. While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Inbound Customer Service Center Representative I, Customer Service Center, South Bend, IN
South Bend, IN Job
To provide quality service to clients via telephone, responding to both internal and external customers, and assist in customer needs and problem resolution. Center hours are Monday through Friday 8 a.m. to 8 p.m. and on Saturdays 9 a.m. to 1 p.m. Must be available to work a flexible schedule.
ESSENTIAL REQUIREMENTS
Accurately responds to both external and internal customer inquiries ensuring that all needs are met and handled appropriately during their initial contact.
Assist Customer Service Center Management team to evaluate the current approach to resolving client online banking, text banking, and VRU accessibility issues.
Make recommendations, based on IT training and experience, on improving current solutions and/or developing a program that will provide a consistent application of troubleshooting of technology issues.
Responsible for servicing existing and potential customers via telephone inquiries.
Ability to listen carefully, probe for additional details, and ask targeted questions to gather information.
Exceeds customer expectations through the superior, consistent delivery of products and services with the objective of enhancing customer loyalty and expanding customer relationships.
Learns and maintains a vast amount of knowledge pertaining to products, procedures, and policies. Uses knowledge to make effective recommendations to customers to resolve initial and additional needs.
Provides efficient and responsive customer service to customers by maintaining an acceptable level of productivity as measured through established metrics, which includes (but are not limited to) schedule adherence, availability, and attendance.
Effectively works individually and in a team environment.
Develops customer rapport and discovers customer needs.
Completes compliance training as required.
Understands all laws and regulations that apply to the position and complies with the requirements.
Uses various computer systems for information gathering and/or troubleshooting as needed.
Performs all other duties as assigned.
EXPERIENCE/SKILLS
One (1) or more years of previous banking experience preferred.
Ability to work in a team atmosphere.
Excellent communication skills, within an environment of heavy phone-based interaction.
Strong problem-solving skills.
Strong organizational and time management skills to perform multiple tasks within a limited time frame.
Ability to treat people with respect under all circumstances, instills trust in others, and upholds the values of the organization.
Bilingual speaking (English/Spanish) preferred.
Computer skills (Word and Excel); ability to navigate through various software and systems.
EDUCATION
High School Diploma/GED required.
TRAVEL REQUIREMENTS
Minimal or occasional travel for meetings, projects or training as needed.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Commercial Banker, Northwest Indiana
Valparaiso, IN Job
We are looking for an experienced Commercial Banker to help us drive growth in Northwest Indiana market. This banker would be responsible for acquiring, deepening, and maintaining profitable commercial banking relationships; and would serve as the main point of contact to deliver and service business loan and deposit needs. The banker would report to the Regional President and collaborate with regional teammates to deliver a broad suite of solutions to clients.
POSITION SUMMARY
Responsible for the growth and management of a portfolio of large sized business and complex accounts. Typically manages a portfolio from $25-$40MM.
ESSENTIAL REQUIREMENTS
Analyzes and approves credits within prescribed limits; recommends action on credits in excess of loan limits.
Documents bank/customer relationships and commitments.
Retains and strengthens current relationships and seeks to develop new business.
Reviews periodically the bank's exposure and relative account profitability.
Performs financial reviews on a timely basis.
Complies with bank's loan policies and procedures and legal requirements.
Must have valid driver's license.
Completes all compliance training related to the position.
Understands all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
Five (5) to eight (8) years Retail Banking or Business Banking sales experience preferred.
Working knowledge of cash management products.
Strong consultative sales and proactive calling skills.
Good PC skills--proficiency in Microsoft Word and Excel essential.
Strong verbal and written communication skills with the ability to communicate with all levels internally and externally.
Ability to maintain effective relationships with internal service partners and customers in order to gain their trust and respect.
Customer service oriented.
Ability to handle multiple tasks in a fast-paced environment.
EDUCATION
Bachelor's Degree preferred; concentration in business, economics or finance.
TRAVEL REQUIREMENTS
Ability to travel to off-site locations for meetings, projects, seminars, etc., as well as ability to travel overnight.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Business Banking Portfolio Specialist, Valparaiso, IN
Valparaiso, IN Job
As part of the sales team, the Specialist serves as a critical cornerstone to enhance the client experience. This role offers the opportunity to learn about the commercial banking industry and gain valuable experience working directly with customers. This role provides training and development opportunities for future portfolio managers, relationship managers, or credit analysts.
Will assist Business Banking Relationship Managers (BBRMs) with loan applications, CRM updates, preparing and completing relationship reviews, assisting with documentation of various products and services, assist with various sales related portfolio management responsibilities, coordinate prospecting, sales activities for the RMs, ensure strong level of customer contact, and drive new ways to consistently enhance the customer experience. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience.
POSITION SUMMARY Responsible for assisting relationship managers (RM) with portfolio management, customer service, and sales support within division/region; and independently managing an assigned commercial account portfolio. Supports one or more Relationship Managers with prospecting, sales and customer onboarding and customer service.
ESSENTIAL REQUIREMENTS
Responsible for assisting RM with the management of the RM loan portfolios.
Responsible for managing an assigned micro and small business loan portfolio.
Manages maturing note and renewal process including updating and /or populating Insight (CRM) with borrower and loan information and data as indicated.
Responds to client loan and deposit requests including obtaining necessary approvals.
Manages past dues, client inquiries, gather financial data as needed, and other similar tasks as required.
Assists in the sales process including reviewing client relationships for cross-sell opportunities.
Responds to calls and inquiries from current business loan clients.
Follows up on financial statement exceptions, and reviews for opportunities/concern.
Serves as liaison between the RM, client, and loan operations department to ensure pre- and post-funding loan requirements are met.
Assists with the opening of new business depository accounts and coordinates with Treasury Services to ensure proper implementation of related products and services.
Prepares and submits loan packets for credit approval as directed.
Participates in joint calls with RMs to learn about a business and upcoming opportunities or needs.
As requested, reviews public information for new opportunities, performing basic market research, and assisting with the pre-call planning process for both prospects and existing clients.
Responsible for assisting or attending loan closings.
Responsible for the development of customer presentations, pitch books for new lending opportunities, cross selling, and other business to existing clients.
Assists with calling efforts, blitzes and campaigns by developing calling strategies, assisting with potential targets and looking for new ways to add meaningful touches to clients and prospects.
Performs routine tasks as requested by client including transfers, loan payments, wires, and research.
At the RM's direction, contacts and inquires with clients for delinquent payments.
Clears credit and documentation exceptions.
Responds to inbound inquiries from current business loan clients.
Provides customer support as needed (i.e., delivers documents, etc.).
Provides subject matter expertise on customer onboarding and ongoing customer due diligence/enhanced due diligence.
Provides back up support in the department as needed.
Must function in the team environment, where the colleague may be assigned to work with teams outside of their direct reporting line.
Prioritizes work to meet customer expectations.
Participates in special projects as needed.
Completes all compliance training related to the position.
Understands all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
One (1) to three (3) years of retail or commercial related experience required.
Basic knowledge of commercial lending concepts required.
Formalized basic credit training or equivalent credit risk experience preferred.
Strong business acumen to include detailed analysis, review of financial statements and understanding of basic accounting principles.
Strong time management skills.
Excellent organizational skills.
Experience/Proficiency in Microsoft Excel and Word.
Good written and verbal communication skills.
Ability to work with different departments and business entities.
Ability to prioritize tasks and take initiative.
Customer service oriented.
Ability to handle multiple tasks in a fast-paced environment.
Provides a positive client experience.
Ability to assess client needs.
Uses effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.
Demonstrates strong verbal and written communication skills, with particular emphasis on experience in face-to-face negotiations and group presentation skills.
Must be proficient in all Microsoft Office software, familiarity with prospecting and CRM sales tools preferred.
EDUCATION
Bachelor's Degree in business, economics, or finance preferred.
TRAVEL REQUIREMENTS
Ability to travel to regularly to client locations, off-site locations for meetings, projects, seminars, etc., as well as ability to travel overnight on rare occasions.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment
Personal Banker (Client Services Associate), Warsaw Downtown Banking Center, Warsaw, IN
Warsaw, IN Job
Provides clients with friendly service and meets financial needs by completing transactions and uncovering other opportunities to promote additional services. ESSENTIAL REQUIREMENTS
Processes banking center transactions, safety deposit, cash machine and vault balancing activities, following bank policies and procedures.
Greets clients as they enter the banking center, identifies client needs, promotes bank products and services, and refers clients to the appropriate business colleague, if needed.
Opens personal accounts, CD's and cross-sells bank services.
Answers client inquiries and resolves less complex issues.
Builds client loyalty; establishes client relationships, including addressing each client by name.
Consistently delivers exceptional customer service to each and every client.
Adheres to established bank policies, procedures and guidelines.
Participates in retail sales programs to help meet personal and banking center goals.
Actively participates in team meetings and participates in community projects and appropriate educational programs related to the position.
Provides transaction overrides and other assistance to less experienced CSRs on transaction processing and balancing as necessary.
Assists Manager with audits, reporting and scheduling as requested.
Responsible for the completion of all training related to the position.
Understands all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Demonstrates appropriate levels of interpersonal skills for clients and staff members.
Performs all other duties as assigned.
EXPERIENCE/SKILLS
Four (4) or more years of retail banking experience preferred.
Customer service and sales oriented.
High degree of attention to detail.
Good written and verbal communication skills.
Good PC skills - proficiency in Microsoft word and Excel essential.
Ability to cross-sell bank products and services.
Highly motivated.
Ability to work in a team atmosphere.
Ability to protect the confidentiality/privacy of others as appropriate, as well as of company documents and records.
Ability to handle multiple tasks in a fast-paced environment.
EDUCATION
One (1) - three (3) years college preferred.
TRAVEL REQUIREMENTS
Ability to travel to all locations as needed for meetings, projects, training, seminars, etc
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Brokerage Assistant II, PART TIME, Asset Advisors, Mishawaka, IN
Mishawaka, IN Job
Assists Financial Consultants with administrative and customer service support requests within the division/region. ESSENTIAL REQUIREMENTS Assists Financial Consultants in the following: * Maintaining the highest standards of customer service by developing and managing all customer service functions and programs.
* Account and transaction problem resolution.
* Maintenance of proper customer and other required files and customer service support by handling daily calls to resolve problems or inquiries in an efficient and timely manner as requested as needed.
* Attends client and team meetings.
* Maintains, acquires, and completes annual continual education on all licenses and designations, as appropriate.
* Completes all compliance training related to the position.
* Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* One (1) or more years' experience or equivalent experience in a related field preferred.
* Good organization and time management skills to handle multiple tasks in a fast-paced environment.
* Ability to prioritize.
* Good written and verbal communication skills.
* Ability to work with different departments and business entities.
* Series 7 and 66 registrations preferred or be willing to attain.
* Life and Health license preferred or be willing to attain.
EDUCATION
Bachelor's Degree preferred.
TRAVEL REQUIREMENTS
Ability to travel to all branch locations as well as ability to travel overnight, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office laptop, fax, phone and standard office equipment.
Collector I, Collections Department, South Bend, IN
South Bend, IN Job
Responsible for collection and administrative activities on delinquent mortgage and consumer loan accounts.
ESSENTIAL REQUIREMENTS
Contacts past due Mortgage and Consumer customers making outbound calls, e-mailing, texting or mailing notifications to them when applicable.
Takes inbound calls and responds to messages received through all other forms of communication.
Establishes reasons for delinquency through customer contact, making payment arrangements and providing solutions through extensions, collection rewrites, modifications, forbearance agreements and payment plans.
Maintains accurate collection records and documents details of calls in Ice or Insight.
Follows up with debtors regarding broken payment arrangements.
Follows up on auto loan titles that have not been received through normal course.
Prepares guarantee of title for Insurance total loss claims along with various other administrative duties pertaining to the collection process.
Responsible for the completion of all compliance training related to the position.
Understand all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
One (1) year experience preferred or equivalent experience in a related field preferred.
Prior collections (consumer and or mortgage), customer service and banking experience preferred.
Working knowledge of the Fair Debt Collection Practices Act (FDCPA) and other collection legislation preferred.
Knowledge and understanding of collection compliance regulations on FHA/VA loans and other investor requirements preferred.
Ability to stay focused and organized while handling multiple tasks in a fast-paced environment.
Good communication both verbal and written.
Good PC skills.
EDUCATION
High School Diploma/GED required.
TRAVEL REQUIREMENTS
Ability to travel as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Teller Supervisor (Client Services Representative Supervisor), Mishawaka Main Office Banking Center, Mishawaka, IN
Mishawaka, IN Job
Responsible for supervising and directing the transaction activities of the CSR team, coordinates their schedules and guides their training and development. ESSENTIAL REQUIREMENTS * Leads the CSR team in accordance with established security safeguards, bank policies and procedures and guidelines.
* In the absence of the Banking Center Manager, is responsible for overseeing the banking center.
* Responsible for the supervision and scheduling of assigned staff and exercises the usual authority concerning interviewing, hiring, performance appraisals, discipline, promotions, salary recommendations and terminations.
* Works with CSR team to help resolve routine procedural and processing issues.
* Ensures the CSR team meets all established goals.
* Identifies client needs uncovered during business interactions and/or conversations, promotes products and services and refers clients to the appropriate bank colleague if needed.
* Cultivates customer relationships, initiates referrals and effectively cross-sells bank products and services.
* Assists banking center team in operational duties (ie., safe deposit, cash machine, balancing the ATM, vault and end of day work).
* Builds client loyalty; establishes client relationships, including addressing each client by name.
* Consistently delivers exceptional customer service to each and every client.
* Adheres to established bank policies, procedures and guidelines.
* Participates in retail sales programs to help meet personal and banking center goals.
* Actively participates in team meetings and participates in community projects and appropriate educational programs related to the position.
* Helps the Banking Center Manager in supporting and driving sales goals.
* Assists Banking Center Manager in audits and reporting as requested.
* Responsible for the completion of all compliance training related to the position.
* Understands all applicable laws and regulations that apply to the position and complies with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* Three (3) or more years of retail banking experience preferred. Minimum of two (2) years CSR experience or equivalent retail or cash handling is required.
* Prefer Bilingual in Spanish
* Customer service experience required.
* Prior supervisory experience preferred.
* Ability to have crucial conversations with staff.
* High degree of attention to detail.
* Ability to cross-sell bank products and services.
* Good written and verbal communication skills.
* Good PC skills - proficiency in Microsoft Office essential.
* Good problem solving skills.
* Ability to work in a team atmosphere.
* Ability to stand for prolonged periods of time.
* Ability to protect the confidentiality/privacy of others as appropriate, as well as of company documents and records.
* Ability to handle multiple tasks in a fast-paced environment.
EDUCATION
One (1) - three (3) years college preferred.
TRAVEL REQUIREMENTS
Ability to travel to all locations as needed for meetings, projects, training, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
NATIONAL MORTGAGE LICENSING SYSTEM and REGISTRY (NMLSR)
The Federal Government requires that employees with responsibility for residential mortgage lending and/or consumer real estate loans be registered with the Nationwide Mortgage Licensing System and Registry (NMLSR). For consideration of this position, you will be required to obtain a unique identifier, register with NMLSR, and be fingerprinted for a criminal background report. Individuals hired for this position must: A) have not been convicted of, or pleaded guilty or nolo contendere to, a felony in a domestic or military court during the preceding seven-year period or, in the case of a felony involving an act of fraud, dishonesty, a breach of trust, or money laundering, at any time; B) has demonstrated financial responsibility, character, and general fitness such as to warrant a determination that the individual loan originator will operate honestly, fairly, and efficiently.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Senior Analyst I, Credit, South Bend, IN
South Bend, IN Job
Responsible for assisting the sales staff through the evaluation, analysis and management of loan transactions of current and prospective customers including periodic reviews. ESSENTIAL REQUIREMENTS * Assists Relationship Managers with new and existing credit relationships.
* Reviews financial statements, prepares summaries, facts and opinions concerning credit worthiness.
* Communicates directly with CEO, CFO, CPAs and attorneys of customers and prospects regarding credit related matters.
* Reviews and administers loan and loan commitments to ensure adherence to policy guidelines and documentation is adequate to secure collateral.
* Develops and prepares reports and records relating to business loans, as required.
* Properly grades the account.
* Performs cash flow and financial analysis.
* Manages annual customer performance.
* Approves loan requests up to assigned credit authority.
* Responsible for the completion of all compliance training related to the position.
* Must understand all applicable laws and regulations that apply to the position and comply with the requirements.
NON-ESSENTIAL FUNCTIONS
Performs all other duties as assigned.
EXPERIENCE/SKILLS
* Five (5) years or more of credit analysis experience preferred or equivalent experience in a related field preferred.
* Credit skills that would allow for accurate and appropriate credit underwriting of a loan request.
* Ability to assess collateral values.
* Ability to utilize various software packages (i.e., nCino, Salesforce, Microsoft).
* Ability to assess customer management's abilities.
* Good PC skills--proficiency in Microsoft Word and Excel essential.
* Good analytical and quantitative skills.
* Ability to communicate verbally and in written format.
* Ability to think independently.
EDUCATION
Bachelor's degree in Accounting or Finance preferred.
LICENSES/CERTIFICATIONS
RMA-CRC credentials preferred.
TRAVEL REQUIREMENTS
Ability to travel to all locations as well as ability to travel over night, as needed for meetings, projects, seminars, etc.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals to perform the essential functions.
While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.
EQUIPMENT
MS Office PC, fax, phone and standard office equipment.
Market Relationship Banker
Old National Bank Job In South Bend, IN
Old National Bank has been serving clients and communities since 1834. With over $50 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.
We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.
Responsibilities
Old National Bank is seeking a Market Relationship Banker to join our Community Banking Team. This position is unique; it will allow you to work at several different branches, giving you the opportunity to know the personalities at each location. The Relationship Banker develops and cultivates long-term client relationships by providing insight, advice, and personalized financial solutions for their clients. Relationship Bankers are responsible for retaining and deepening existing client relationships through cross-selling, establishing new banking relationships, referring clients to product partners (e.g., Mortgage, Investments, Small Business, Treasury Management, Merchant Services, Private Banking, Wealth Management, Commercial), educating clients on digital solutions, providing account servicing and maintenance, effectively resolving client servicing issues, and processing. Relationship Bankers are active in their communities through outreach efforts and through service with community organizations.
Salary Range
The salary range for this position is $17.00/Hr. - $29.75/Hr.. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled.
Key Accountabilities
Develop and grow client and prospective client relationships
* Consults with clients/prospective clients over the lifecycle of the relationship to uncover needs, educate, and advise on product and service alternatives that align with the client's financial objectives.
* Cross sells products and services and refers to business product partners to ensure client needs are met.
* Maintains contact with client base through periodic proactive touch points (on-boarding, service follow up, etc.)
Achieve Sales and Service Targets
* Markets a full range of consumer and small business banking services to existing and prospective clients through proactive techniques such as lobby engagement, outbound telephone calls, marketing campaigns, or in-house events; may occasionally participate in outside sales calls.
* Maintains well-developed knowledge of all products and services and effectively applies that knowledge to understand and fulfill client needs.
* Proactively seeks coaching to develop service and sales skills; shares knowledge and best practices to enhance the team's skills and performance.
Operations Oversight
* Proactively resolves moderate to complex customer maintenance and/or client service problems using available resources for problem resolution, including analysis and understanding of information received from other internal departments such as Loan Operations, Deposit Operations, Internal Bank Support, Reconcilement, Risk Management, etc.
* Maintains and demonstrates in-depth knowledge of the different banking channels and educates clients on emerging technology and digital solutions including mobile, online, and ATM offerings to enhance their service experience.
* Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements.
* Follows all fraud prevention procedures and attends training to stay up-to-date on evolving fraud tactics.
Key Competencies for Position
Culture Leadership:
* Communication - applies active listening skills and skillful use of questions to understand the client's situation, needs, and desired outcome(s); adapts communication style and approach to accommodate individual needs and preferences.
* Collaboration - seeks, develops, and maintains trusted relationships with others to achieve business goals/objectives; shares knowledge, information, ideas, and suggestions to accomplish mutual goals.
Execution Leadership:
* Drive and Execution - Committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; leverages opportunities to collaborate with others to achieve results; consistently achieves performance targets.
* Problem Resolution/Decision-Making - With minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources to ensure effective action and shared ownership; decisions are sound based on what was known at the time and based on a blend of analysis, wisdom, experience, and judgement.
Client Leadership:
* Client Leadership - Puts the client at the forefront of everything they do; continually seeks first-hand client information and perspective and uses this insight to shape one's own behaviors and actions; examines implications of decisions and actions from the perspective of the client before acting.
Key Measures of Success/Key Deliverables
* Executes strategies to improve client retention including cross-selling products and services, proactive personalized outreach, effective resolution of servicing issues, monitor and seek client feedback, etc.
* Contributes to the banking center's financial success by achieving targets for loan production, new account production, line of business referrals, and digital banking enrollment.
* Acquires new Community Bank relationships through cultivating a strong referral network and outreach efforts.
Position Levels
There are two levels of Relationship Banker, depending on banking experience including client service, deposit, and lending experience. Bankers must demonstrate completion of required training programs, licensing or specialized training, and acceptable performance to goals to be considered for further advancement. Licensing or registrations must be maintained current and in good standing in accordance with program guidelines. Positions may be based at a specific banking center or be a "Market" position that supports all banking centers in a defined market.
Relationship Banker
* Demonstrates ability to handle all transactions, servicing needs and inquiries upon completion of required training.
* Must achieve account opening goals, partner referrals, lending and credit card goals along with completing quality Client Financial Profiles.
Qualifications and Education Requirements
* High School diploma or GED Equivalent
* Minimum one year relationship-based client consultation and/or consultative sales experience (banking industry a plus)
* Eligible to register with the National Mortgage Licensing System and Registry (NMLS) or currently NMLS registered.
Relationship Banker II
* Experienced bankers who have successfully completed the requirements of a Relationship Banker, including all new hire training and the Relationship Banker Learning Path within defined timeframes, or bankers with existing experience in a similar role at another financial institution, including NMLS registered.
* Demonstrates consultative sales skills and strong service levels to build and deepen client relationships.
* Consistently meets or exceeds account opening and lending goals, credit card goals, partner referrals, and quality Client Financial Profiles.
* May manage an assigned client portfolio to handle all consumer banking relationship needs.
* Encouraged to participate in their community through service in a Community Organization, Not-for-Profit volunteer, Business-Related Networking groups, or similar organizations.
* Completes Relationship Banker Development Program to demonstrate advanced proficiency in role.
Qualifications and Education Requirements
* High School diploma or GED Equivalent
* Minimum one year relationship-based client consultation and/or consultative sales experience
* Minimum one year banking experience including deposit/transaction processing, account servicing, new account opening and consumer lending
* Currently registered with the National Mortgage Licensing System and Registry (NMLS) or previously registered and eligible to immediately re-register.
Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.
As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.
We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position.
Our culture is firmly rooted in our core values.
We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical.
We are Old National Bank. Join our team!