Commercial Financial Advisor - Thomasville

Job Summary:
A Community Financial Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for managing a portfolio of existing Firm clients and development of new business through aggressive solicitation of identified qualified prospects. Through this process, become the primary financial advisor for a portfolio of clients which would include business entities, business owners, and individuals who are consistent with Pinnacle's market segmentation.

Job Duties and Responsibilities:

• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings). Develop community relationships by establishing, participating, and maintaining positive relationships with community based, charitable, key community stakeholders, small business owners, residents, governmental agencies, and non-profit organizations to identify community needs and opportunities. Educate team members and clients on products and programs while increasing client acquisition. Administer and manage client loan portfolio consistent with the Firm's credit policies while meeting the financial needs of clients. Provide a full array of loan products designed to meet the financing needs of clients. Meet all designated Pinnacle standards for appropriate risk rating; credit soundness thresholds; and critical action items as represented in KPI reports. Provide technical assistance, guidance, and support to community organizations, LMI individuals seeking banking services, lending, investments, and resources in the preparation of applications to maximize the rate of approval. Educate team members and clients on products and programs related to CRA and Fair lending. Ensure compliance with the Firm's credit policies and regulations for all loans under his/her responsibility. Provide deposit products including but not limited to Demand Deposit Accounts, Money market Accounts, Savings Accounts, and CD's. Develop a strong business relationship with internal and external partners, focusing on deepening client relations and cross-selling to increase share of wallet. Participate in community meetings and events to promote community development and economic growth. Develop and implement strategies to assist in maximizing impact of community development programs and initiatives to ensure compliance with regulatory requirements related to CRA, and Fair Lending community development activities. Work with various government and nonprofit agencies to coordinate the use of internal and external down payment assistance funds with eligible first mortgage loans. Work with mortgage advisors to increase the number and quality of mortgage referrals. Explain programs accurately and completely to potential borrowers and clients. Assist Mortgage Advisors with existing loans in process as needed. Organize homebuyer education and workshops and other types of financial literacy education opportunities to assist small businesses with access to capital and technical assistance and LMI homebuyers. Assist in mortgage loan production goals and targets to meet peer performance targets in assessment areas. Attend, facilitate, and coordinate realtor, builder, and affordable housing events, and other networking events within the market area to further client relationships within the Firm's footprint and to increase and boost lending, investment, and volunteer opportunities. Develop and maintain product knowledge of all loan and depository products designed for small business and affluent individual markets, as well as personal knowledge of market. Further expand knowledge to add value to client with regard to Investment needs and estate planning. Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate. Assist other team members as needed to ensure delivery of distinctive service. 
• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
• Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
• Assist other team members as needed to ensure delivery of distinctive service.
• Performs other related duties as required.

Minimum Education: College degree is preferred -- finance or business-related field. 

 

Minimum Experience:Minimum of 10 years' experience in financial services. 

Required Knowledge, Skills & Abilities: Strong knowledge of consumer and commercial loan documents. Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software. Knowledge of federal and state banking regulations and compliance. Broad knowledge of bank products and services. Excellent interpersonal skills, including verbal and written communication skills. Effective analytical and mathematical reasoning skills with a strong attention to detail. Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy. Must be flexible and able to multi-task competing priorities to meet tight deadlines. Ability to work independently and prioritize daily tasks. Excellent client service skills. Tact and diplomacy in dealing with both clients and team members. The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.