Sales and Service Officer IV
BB&T Human Systems - Atlanta, GA

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Line of Business: Community Banking Div Group
Job Category:

Desired Skills:

1. Master?s degree in finance, accounting or economics

2. High degree of quantitative analysis skills

3. Strong knowledge of Bank?s deposit and payments products

Essential Duties and Responsibilities:

Following is a summary of the essential functions for this job. Other Duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Provide support to assigned BSO-RMs through underwriting and processing of new loan requests and renewals; demonstrate a clear understanding of major technical aspects of lending and basics of credit and finance.

2. Provide support of credit risk management through thorough underwriting, policy compliance and risk assessments on credit request packages to be submitted for co-approval or approved by Relationship Managers. Ensure packages are complete, accurate and thoroughly documented.

3. Drive sales efforts through pipeline and ensure closing in a timely manner.

4. Support BSO-RM in monitoring, maintaining, and updating sales activity, pipeline and other pertinent information using Bank?s contact management system.

5. Work with City Executive, BSO-RMs and Credit Officers to develop skills in prospecting, client management, call execution, Integrated Relationship Management (IRM) and credit underwriting.

6. Ensure commercial banking relationships are fully developed, including specific efforts to serve retail banking needs of clients? owners/management/employees by partnering with Wealth Management Advisors, Private Bankers and Relationship Managers.

7. Support complex client servicing related to loans, payment solutions, deposits and other IRM products.

8. Monitor loans to ensure complete conformity with terms and ascertain developing trends.

9. Support consistent, effective communication of Client Service Unit (includes: BSO-RM, Sales and Service Officer (SSO), Portfolio Risk Officer (PRO), and Business Services Assistant (BSA)) to provide superior revenue generation, client service and risk management. Lead weekly meetings to discuss new loan requests, renewals, loan reviews, past dues, etc.

10. Keep abreast of changing business and economic developments which impact the loan portfolio, profitability and banking in general.

Reports To: City/Area Executive III-IV, Commercial Real Estate Manager, Residential Construction Lending Manager, Regional Corporate Banking Manager, Business Services Team Leader


Effective Date: 01/2013

Required Skills and Competencies:

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.

1. Bachelor?s degree in accounting or business or equivalent education and related training

2. Seven years of experience in banking industry or related work experience

3. Experience with spreadsheet and word processing applications

4. Excellent verbal and written communication skills

5. Understanding of financial and cost accounting principles

6. Demonstrated proficiency in basic computer applications such as Microsoft Office software products

7. Ability to travel, occasionally overnight