Private Banking Officer

Location
Hillsdale, Michigan
Salary
Commensurate with Salary and Experience
Posted
May 01, 2024
Closes
May 21, 2024
Ref
637770304
Type
Full Time
Description

County National Bank (CNB) is an independent, locally-owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking, and provide outstanding customer service and solid financial

We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.

CNB is looking for a qualified, motivated, and customer- and team-focused individual to join our team as Private Banking Officer for our locations in Hillsdale County.

JOB SUMMARY

This position has extensive interaction with high-net-worth bank customers and prospects requiring tact and persuasiveness in presenting the bank's position. Regular interaction with bank customers and prospects in social settings requiring sophistication to represent the bank positively within the communities we serve. This position is responsible for the growth and business development of account relationships with professionals and their businesses including but not limited to medical, dental, law, accounting and construction, as well as persons with significant wealth. This individual will actively refer clients to County National Bank's Wealth Management Department. The Officer will have routine interaction with the Commercial and Retail Banking staff, Credit, Compliance and others as needed.

DUTIES
  • Meets or exceeds sales revenue goals by selling and cross-selling bank products and services to retail, mortgage and small business customers that satisfy the financial needs and goals of the customer; refers qualified customer leads to the Wealth Management Department, Mortgage, and Business Banking.
  • Works with prospective and existing customers to assess potential overall banking needs.
  • Develops strategies to market and deliver private banking services to high-net-worth individuals.
  • Serves as trusted advisor for individuals in the community.
  • Acquires appropriate balance of deposit and fee relationships with all loan relationships in order to meet personal and business needs of clients.
  • Develops network of referral sources and centers of influence.
  • Documents calling efforts and reports at least monthly to supervisor on activities (for both client and referral sources).
  • Monitors, administers and maintains private banking portfolio in accordance with Bank's standards.
  • Builds and maintains professional working relationships with all internal employees including but not limited to Branch, Mortgage, Business Banking, Credit and the Trust Departments.
  • Participates in sales and loan committee meetings to ensure that goals are achieved.
  • Maintains a position of trust and responsibility by following appropriate policies (Code of Ethics, BSA, Network Security) for identifying customer and protecting sensitive/confidential information.
  • Maintains and protects confidentiality of customer information.
  • Maintains regular, on-time attendance.
  • Remains current in assigned training and continuing education for designation retention (online, video, in-house emails, telephone seminars, etc.)
  • Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
  • Performs other various duties as assigned.


CNB OFFICER ROLE

Sometimes the responsibilities of the officer role have been implied, or an example is set by the supervisor. To better clarify the role of a CNB Officer, the following has been added to the officer job description:
  • The role of a CNB Officer is where the line between an employee "working for the bank", to "the responsibility for the Bank" is firmly drawn. Officers should be prepared to accept their representation as a leader of the Bank.
  • Officers understand that they are first an officer of the Bank, and second the officer and manager over their assigned area of responsibility. Officers provide leadership to both those under their immediate direction and those indirectly under them.
  • Officers represent the Bank and its policies. To the staff the officer is the company. Officers are familiar with company policy, communicate policy to staff and represent the management of the company.
  • Officers support and participate in Bank sponsored customer and employee related events, and are willing to put in the extra time and effort needed to do so.
  • Officers represent the Bank in the community and serve on community-related committees and organizations, when appropriate. Officers present themselves in a positive and professional manner while visible in the community and both in the workplace and while off-duty.
  • Officers set an example for the staff in their behavior, professionalism and leadership and take ownership in this role, and should be viewed by their peers as a leader.
  • Officers manage upward. That is, the officer keeps higher levels of management informed of key issues and situations in a timely manner.
  • Officers continue to work toward greater understanding and performance in their area of responsibility.


Requirements

SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Bachelor's degree in Business/Finance is preferred; otherwise, must have a combination of applicable education and experience.
  • Must have two to five years of previous banking experience.
  • Passion for providing a stellar customer service experience to all customers (external and internal) and ability to instill this passion in others.
  • Excellent interpersonal skills (tactfulness, cooperation, courteousness and customer friendliness) are necessary to represent the bank in a positive manner.
  • Positive and cooperative approach when working with others.
  • Excellent written communication skills with demonstrated ability to write clearly, concisely and effectively, with attention to detail for visually appealing output and accurately proofreading publications.
  • Excellent verbal communication skills with the demonstrated ability to effectively present information to customers and management.
  • Strong initiative that drives results and negotiation skills to initiate, develop and secure relationships with new and existing clients.
  • Ability to assess business and customer needs and implement successful solutions using creativity, innovation and judgment.
  • Self-starter with the ability to work under minimal supervision.
  • Strong administrative skills with effectiveness in developing tasks and managing resources to achieve targets/goals.
  • Ability to maintain confidentiality and handle sensitive information.
  • Knowledge of basic accounting procedures.
  • Ability to efficiently and accurately keyboard information, both computer and calculator.
  • Strong computer skills with a proficiency in MS Word, Excel and Outlook.
WORKING CONDITIONS

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the work environment will include:
  • Works in a normal office environment.
  • Travel between branch locations, as needed.


PHYSICAL REQUIREMENTS

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 with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to:
  • Communicate effectively, both verbally and in writing.
  • Keyboard information (computer and calculator).
  • Travel to branch locations, as needed.