Business Banker

Date: January 16, 2014
Grade: 8
Full-/Part-Time: Full-Time
Location: Sioux Falls, SD (Main)
Supervisor: President - FBTSF
Overall Functions: This person is to develop and manage Business Banking relationships of various sizes. Emphasis is placed on credit quality and a “Needs Based” approach to financial management.
Qualifications: This person should have a bachelor's degree in a related field and a minimum of seven years of experience in Business Finance or the equivalent. This person should have strong experience in credit risk management, financial management and building relationships. It is necessary that this person possess excellent communication skills and the ability to work in a team atmosphere.



1.  Service and administer assigned Business Banking relationships in accordance with existing Bank Policies and Guidelines.

2.  Interview loan applicants, and collect and analyze financial and related data to determine the feasibility of the prospect and the merits of the specific loan request.

3.  Establish and negotiate where necessary the terms under which a financial relationship will be extended including the costs, repayment method, schedule, and collateral requirements to include securing required signatures and all documentation according to the Loan Policy and Guidelines.

4.  Develop new business by contacting prospects and clients while making sound decisions and exhibiting good credit judgment.

5.  On an ongoing basis, consider the level of risk in each loan in the portfolio and assign the corresponding risk rating to the loan.

6.  Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.

7.  Frequently review and conduct a financial needs assessment with each Business Banking client in an effort to grow their relationship with the bank.

8.  Facilitate referrals and meetings between Business Banking clients and other members of the banking team such as Wealth Management Services, Insurance and Electronic Banking.

9.  Keep informed of industry and financial trends, which may impact the Bank's Business Banking portfolio.

10.  Act in accordance with FFC policies and procedures as set forth in the employee handbook.

11.  Adhere to compliance procedures and participate in required compliance training.

**EOE/AA/Minority/Female/Veteran/Disability/Sexual Orientation/Gender Identity

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