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Business banking officer skills for your resume and career
15 business banking officer skills for your resume and career
1. Business Development
Business development is the ideas or initiatives that work to make business work better. Selling, advertising, product development, supply chain management, and vendor management are only a few of the divisions involved with it. There is still a lot of networking, negotiating, forming alliances, and trying to save money. The goals set for business development guide and coordinate with all of these various operations and sectors.
- Participate in civic and community activities to generate visibility and serve as business development officer for the bank.
- Achieved customer acquisition and relationship deepening goals through business development activities, outbound activities, and needs-based selling.
2. Customer Relationships
Customer relationships are the interactions and efforts made by a company to improve its customer service. Customer relationships cover not just all of the essential roles performed by customer support, but also the initiatives made before and after the interaction with a customer.
- Solicit and develop new business banking customer relationships.
- Develop and manage customer relationships to include all types of business cross-selling efforts to satisfy customers' financial needs.
3. Customer Service
Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.
- Supervised 4 customer service/sales personnel in cross selling a variety of bank services including merchant processing and investment management.
- Maintained over 90% customer retention within portfolio by building long term relationships and delivering best-in-class customer service.
4. Relationship Management
Relationship management refers to a tool that connects an organization or industry to a supply chain. Usually, this management type will build coordination, confidence, and mutual trust among all its members, employees, and employers. It will create a good partnership, determine the potentials barriers and problems, assess the strength, and measure the chain's effectiveness
- Provided client/vendor relationship management, strategy and planning, project delivery, production services and support as well as financial management.
- Fostered the bank's relationship management culture by actively pursuing new small business lending opportunities from current and prospective customers.
5. Financial Statements
A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.
- Reconciled financial statements & conducted cash flow analysis for service and product based businesses.
- Analyzed financial statements and tax returns to perform preliminary credit analysis for loan decisions.
6. Cash Management
- Developed business banking relationships, providing cash management and credit services.
- Can develop both complex cash management solutions and commercial loan structures with over 20 years of combined experience in both areas.
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Product knowledge is the skill of having better information and knowledge about the product you are selling. Product knowledge is essential for the employees of the companies so they can communicate and inform the customers about the product. Having great product knowledge is essential for a better sales pitch and to give the customer a better and complete idea of the product that will influence him to buy the product eventually.
- Analyzed assigned Market & become informed/educated in targeted industries and related product knowledge.
- Used product knowledge and relationship approach to uncover financial needs of the customer and determine how best to satisfy those needs.
8. Cross-Sell
Cross-selling is the activity of selling various products or services to a consumer to add the sale value.
- Developed cross-sell opportunities with no-relationship managed business banking clients.
- Open deposit accounts, loans, annuities, cross-sell products, and refer to partners in order to meet customer needs.
9. SBA
Small Business Administration or SBA refers to a government agency that offers assistance to small businesses. They work with individuals starting or growing their businesses. The agency has a website that contains various tools such as training programs and business plans to help small businesses.
- Compiled data and prepared reports including loan covenant violation, collateral tracking, risk rating exception, and SBA liquidation reports.
- Lead the SBA lending team in my area by originating all SBA loans and training staff through a mentor program.
10. Bank Products
Those products which a bank offers to its customers are called bank products. There a variety of services that a bank offers to attract customers. Some of the banking products/ services are: giving loans, overdrafts, check payments, exchange of foreign currency, consultancy services credit, debit and ATM cards, home and online banking.
- Consult with clients to help customers best determine their banking needs, Provide expert consultation and aggressively sell bank products.
- Interview & hire branch employees, educate & train employees on service & selling bank products.
11. Treasury
- Generated revenues by selling deposit accounts, loans, lines of credit and treasury to our small business clients.
- Processed implementation requests to add/delete/modify Treasury Products * Was the only consultant to be designated a portfolio of highly sensitive clients.
12. Real Estate
Real estate is land that has buildings on it. This kind of property consists of permanent improvements either natural or man-made, which include, houses, fences, bridges, water trees, and minerals. There are 4 types of real estate namely; residential real estate, commercial real estate, industrial real estate, and vacant land.
- Contributed on process committee to decrease department errors in ordering real estate appraisals, thus improving order processing efficiency.
- Reviewed real estate appraisals for use in collateral evaluations allowing for adequate collateral coverage of bank loan assets.
13. Financial Analysis
- Presented financial analysis reports to bank administration for commercial accounts with a cumulative total in excess of $200 million.
- Presented financial analysis reports to bank administration on customer portfolios with a cumulative total more than $200 million.
14. Loan Portfolio
- Monitor an existing commercial real loan portfolio to ensure proper risk ratings and early identification of potential problems.
- Analyze financial and other pertinent information related to loan origination and to monitor existing loan portfolio.
15. Credit Analysis
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
- Interviewed clients and performed credit analysis to determine eligibility for credit advances.
- Coached and mentored branch managers on structuring sales calls and credit analysis of requests.
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List of business banking officer skills to add to your resume
The most important skills for a business banking officer resume and required skills for a business banking officer to have include:
- Business Development
- Customer Relationships
- Customer Service
- Relationship Management
- Financial Statements
- Cash Management
- Product Knowledge
- Cross-Sell
- SBA
- Bank Products
- Treasury
- Real Estate
- Financial Analysis
- Loan Portfolio
- Credit Analysis
- Commercial Banking
- Treasury Management
- Strong Analytical
- Cash Flow
- Payroll
- COI
- Financial Data
- Business Products
- Client Relationships
- Credit Card
- Bank Secrecy Act
- Cash Flow Analysis
- Exceptional Client
- Fee Income
- Cross-Selling
- Wealth Management
- Securities
- Origination
- Commercial Loans
- Financial Solutions
- Merchant Services
- Revenue Growth
- Financial Products
- Business Administration
- Tax Returns
- Bank Services
- Business Lines
- Financial Reports
- Loan Production
- Branch Management
- Business Relationships
- Community Involvement
- Community Events
- Business Portfolio
Updated January 8, 2025
