Bank officer job description

As a Commercial Bank Treasury Management Officer, you will focus primarily on generating new business from prospective Commercial & Industrial (C&I) clients while growing existing revenue from the market. You will work closely with an established team of bankers to ensure proper alignment of strategies and credit capacity for all Treasury Services products. In this role you will maintain and develop trusted relationships with your client sector. As a Sales Leader you will develop partnerships with Bankers, Client Service, Product Leadership (Core Cash, Card and Commerce Solutions) and Implementation teams, and will develop and execute a localized to market and product strategy while leading and managing key client pursuits and relationships.

This is a business development officer role with heavy emphasis on developing new treasury management and depository relationships for an assigned territory. Job responsibilities include:

Grow revenue as directed by senior management by successfully prospecting for new deposit and payment product and treasury management business and retaining and expanding existing customer relationships.
Manage the non-credit risk for customer portfolio Monitor and enhance profitability of all assigned relationships Source prospects and develop new customer relationships Work independently and in partnership with market bankers to develop new profitable business from prospective clients; develop and execute strategic account plans Engage clients at senior and strategic levels to provide integrated treasury solutions within a consultative and client driven framework Understand the competitions' capabilities and gaps, and how to position JPMorgan Chase Treasury Services against them Manage proposal writing and the entire sales process Develop and enhance in-depth client knowledge and share it with the client coverage team for both new business development and management of client risk Create strategic dialogues around key client-centric issues, incorporating best practices, benchmarking, opportunity quantification and solution positioning Partner with internal product stakeholders when representing the client perspective in the development/evolution of products and solutions Deliver thought leadership to the market, prospects and clients on the working capital solutions at client roundtables, industry conferences, webinars, articles, etc. Execute against a clear set of engagement principles that ensure consulting resources are mapped against the largest revenue opportunities within Treasury Services Deliver Results - individually and as a team


Qualifications


6+ years of experience successfully prospecting for new deposit and payment product and treasury management business and relationship management Excellent relationship management and business development/sales skills Considerable knowledge of depository products and treasury management services Knowledge and understanding of Treasury Services and deposit products, credit and risk process, overdraft management discipline, and pricing philosophy Success developing new business, with focus on prospecting Excellent/strong selling and negotiation skills Excellent/strong verbal and written communication skills B.A./B.S in Accounting/Finance preferred or equivalent professional experience Demonstrated success managing a virtual team where success is achieved through influence vs. direct reporting relationship Strong time management, organizational and planning skills Strategic thinking skills


JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

Equal Opportunity Employer/Disability/Veterans

WA RemoteFull-time40

In this role, you will administer, oversee, and direct the Fair and Responsible Banking program for the Bank and its subsidiaries, to ensure compliance with various consumer protection laws and regulations. You will maintain a compliance management strategy that reduces risk, promotes operational efficiency, and fosters high quality customer service through implementation of the Bank's Compliance Program Standards.
Functions

* Maintain bank-wide Fair and Responsible Banking risk management programs, consistent with the requirements and spirit of the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), and Unfair, Deceptive and Abusive Acts and Practices (UDAAP).
* Prepare ongoing reporting and analysis to support program priorities.
* Fulfill role as a Compliance consultant by providing technical compliance guidance in response to questions and in reviews of products, services, and delivery systems, including the implementation of new regulations or changes to existing regulations.
* Execute on compliance program standards that include conducting monitoring, performing reviews, developing risk assessments, assessing controls, and/or self-assessments.
* Complete annual review of required training plan, including reviewing and/or developing custom training as needed.
* Develop a comprehensive understanding of applicable regulatory compliance examination manuals (FDIC and CFPB).
* Prepare guidance on compliance issues to all departments, including the implementation of new regulations or changes to existing regulations.
* Demonstrate compliance with all bank regulations that apply to your position and keep up to date on regulation changes.
* Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other regulations that apply to your position
* May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

Qualifications

* Knowledge of consumer financial regulations and compliance management programs.
* Knowledge of various bank operations.
* Specialization in specific regulatory risk area may be required.
* Extensive understanding of financial institution general control structure to assess regulatory risk and make appropriate recommendations.
* Advanced level of interpersonal communication skills, both written and verbal.
* Possess strong project management, organizational, analytical and leadership skills.
* Possess proficiency in the use of standard office software applications such as Word, Excel, Power Point, Share Point, etc.
* Certified Regulatory Compliance Manager (CRCM) or ability to obtain within 180 days, required.
* 4-7 years of banking experience, regulatory compliance, and/or internal audit, required.
* Bachelor's Degree in business, finance, law, or accounting, required.

Physical Requirements and Working Conditions

Work involves:

* Sitting
* Occasional walking
* Lifting to 10 pounds
* Office Environment

Travel:

* Remote, on-site, or hybrid work environment within the Bank's footprint
* Occasional

No relocation is offered.

About Us

We do things a little differently here at Umpqua. Our retail stores serve as community hubs, our associates are given up to 40 hours of volunteer time each year, and we're never satisfied with the status quo. Greatness has no finish line, so we continue every day to keep people at the center of everything we do. We focus on building relationships, understanding our customers' needs and connecting to people in new and innovative ways -- always staying true to our mission of providing personalized banking for all people, whenever and however they prefer to bank.

Umpqua Bank is committed to employing a diverse workforce. Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, protected veteran status, or disability. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

#LI-MH666

Portfolio Growth & Referrals 40%

• Seek out prospective business/corporate clients and actively solicit high quality new loan business as well as new deposit relationships.
• Participate in community affairs to increase banks visibility and to enhance new and existing business opportunities.
• Achieve individual and department sales goals through new business sales, referrals, and retention of account relationships.
• Proactively cross-sell additional products through referrals and outbound calling with the goal of building rapport and life-long relationships with Bank customers.
• Analyze potential commercial loan markets to develop prospects for loans.
• Maintain current knowledge of financial markets, trends, and technology.

Lending & Customer Service 30%

• Meet with business/corporate clients, actively listen to their needs and goals, and propose recommendations and service action.
• Demonstrate personal commitment to excellence in sales and service to customers and other employees.
• Refer any customer questions regarding products or service to the appropriate person.
• Handle customer complaints and take appropriate action to resolve them.
• Stay abreast of new types of loans, treasury management products, and other financial services and products to better meet customers' needs.
• Negotiate payment arrangements with customers who have delinquent loans.
• Prepare repots to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.

Loan Operations 20%

• Analyze applicants' financial statue, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial information.
• Ensure loan agreements are complete and accurate according to policies, procedures, and standards.
• Approve loans within specified limits and refer loan applications outside those limits to management for approval.
• Service loan portfolio to ensure compliance with loan policy, approval conditions, and approved financing plans.
• Correspond with or interview applicant or creditors to resolve questions regarding application information.
• Conduct on-site inspections at customer locations to determine customer products.

Other 10%

• Provides guidance to the credit department and/or less seasoned lenders in the development and analysis of financial background data for new or renewed loans.
• Develop strong professional relationship with members of the bank's other departments, as well as external representatives.
• Perform all other duties as assigned.

EDUCATION & EXPERIENCE

• Bachelor's degree required or equivalent work experience
• Minimum of two (2) years of experience in similar job duties