Community Banking Officer

POSITION TITLE: Community Banking Officer FLSA STATUS: Exempt SUMMARY: The Community Banking Officer is a member of the Retail Banking team with a strong understanding of retail and small business products and services.

The Community Banking Officer's primary focus is acquiring, expanding, and retaining high value consumer and business deposit and loan relationships.

This position is also a local resource for assisting customers with real estate and business lending requests.

The Community Banking Officer makes individual and joint customer calls, actively engages in networking to grow pipeline and new business, and engages in community activities to promote Carter Bank.

Collaborating with internal partners, retail teammates, credit administration, and operational support teams, Community Banking Officers ensure consumer and business customers are offered total financial solutions.

ESSENTIAL JOB FUNCTIONS: * Responsible for prospecting and originating consumer and/or small business loans, as well as deposit relationships with existing and new customers * Must have general understanding of/regarding the basics of consumer and small business Retail underwriting requirements * Work with Retail Credit staff to review complicated transactions, structure loans, and loan exceptions * Represents Carter Bank in a professional manner in the branch, the community, and civic and industry professional events; including occasional after-hours events * Possesses a strong knowledge of Retail Banking and Small Business products, services, and fees to confidently promote, deliver, and answer account related customer questions * Uses Carter Connect behaviors and skills to identify the right products/services to deliver to the customer or make referrals to internal departments or business delivery partners * Responsible for meeting defined expectations, pipeline management, and achieving performance goals in all areas of responsibility * Ensures all disclosures, audit standards, bank policies, and procedures are followed to safeguard against fraud, deceptive practices and improprieties * Researches and assists customer inquiries and provides account information and services with a focus on exceeding customer expectations, exploring additional sales opportunities, and enhancing customer retention * Participates in Branch performance cadence activities (i.e.; Huddles, meetings, etc.) * Looks for and identifies processes that enhance performance and workflow efficiencies * Promotes a service culture; modeling, motivating and mentoring peers and Branch team JOB REQUIREMENTS: * High school diploma or equivalent required or equivalent work experience; Bachelor's degree preferred * Prior consumer and/or small business lending experience in a bank required * Customer portfolio management and/or customer account management a plus * Must obtain and maintain National Mortgage Loan (NMLS) certification within 6 months of being hired KNOWLEDGE/SKILLS REQUIRED: * Excellent customer service skills * Strong relationship building skills * Ability to motivate, influence and collaborate with others * Strong verbal and written communication skills * Understanding of traditional banking products and services * Confidence, attention to detail, and a sales aptitude * Proficient computer skills * Proactive with the ability to adapt to changing priorities * General understanding of regulations effecting Retail Banking, including but not limited to: BSA, CIP, SAFE ACT, Fair Lending, HMDA and TRID, MLA, SCRA * Working knowledge of system functionality and workflows for the systems utilized in Retail Banking PHYSICAL AND MENTAL QUALIFICATIONS: * Standing, walking, bending and stooping required * Must be able to sit at a desk for long periods of time and use a computer * Must be able to occasionally move or lift up to 10 pounds * May be asked to work supplemental hours periodically * Some travel required during and after business hours