Icg Business Development Officer Bdo Job jobs at Us Bank in United States, Dallas

This job is responsible for managing the end-to-end consumer mortgage referral requests primarily for Low to Moderate Income (LMI) clients in underserved markets. Key responsibilities include connecting with internal and external centers of influence (i.e. financial center partners, realtors, etc.) to originate mortgage transactions, identifying relationship deepening opportunities with clients, and facilitating the loan process from application to close. Job expectations include providing home buyer education via workshops and contacting with clients and partners virtually or in-person.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.

Responsibilities:

• Originates loans from multiple internal and external referral sources
• Understands the local Affordable Housing Market, Housing Assistance Programs, and experience, providing thoughtful lending solutions and guidance to Low to Moderate Income and First Time Homebuyers
• Achieves production goals as defined by the business
• Maintains a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities
• Provides exceptional customer service including maintaining thorough knowledge of lending programs, policies, procedures, and regulatory requirements
• Conducts monthly Home Buyer Workshops and Business Development meetings

Skills:

• Client Management
• Customer and Client Focus
• Loan Structuring
• Oral Communications
• Referral Management
• Credit Documentation Requirements
• Learning Delivery
• Presentation Skills
• Prospecting
• Written Communications
• Active Listening
• Business Development
• Credit and Risk Assessment
• Data Collection and Entry
• Pipeline Management

High School Diploma / GED / Secondary School or equivalent

This job is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements as well as structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. Job expectations may include assessing risk solutions which adhere to the bank's risk appetite and risk strategies and coaching and leading team members.

Responsibilities:

• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury
• Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio
• Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
• Negotiates and structures legal documentation related to loans and derivatives
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle
• Trains, coaches, and mentors Credit Analysts and Associates

Required Qualifications:

• 7+ years’ of experience in asset based and/or commercial lending
• Experience in monitoring the credit health of asset based or commercial lending clients.
• Strong knowledge and comprehension of loan and collateral documentation
• Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers
• Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
• Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
• Coaching and mentoring skills
• Strong Microsoft Office Skills

Desired Qualifications:

• Bachelor's Degree in Accounting and/or Finance
• 10+ years’ of experience in asset based and/or commercial lending

Skills:

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Loan Structuring
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Research Analysis
• Written Communications
• Collaboration
• Critical Thinking
• Portfolio Analysis

Job Description:

. From day one, you will receive training from our-award winning

As a
Financial Solutions Advisor within centralized segment of the Advisor Development Program,your journey begins obtaining your Securities Industry licenses, where you receive dedicated and personalized classes for your Securities Industry Essentials [SIE], Series 7 and Series 66 Exams. Once you obtain your licenses, you will be taught the foundational skills needed to be an advisor – from acquiring, building and managing client relationships to considering a client’s complex financial picture and guiding them with advice and solutions to help them live their best financial lives, all while humanizing financial interactions. You will then join the centralized team as a Financial Solutions Advisor. The Financial Solutions Advisors on the centralized segment are phone-based licensed advisors (obtaining series 7 and 66 required) that provide clients with holistic financial advice and guidance by identifying broader product and service solutions that meet their investment, savings and liability management solutions. FSAs demonstrate knowledge of investments and financial markets and apply key principles appropriately to the individual client's investment needs. Additionally, they align Merrill and Bank of America products and services where appropriate. We will equip you with everything you need as you move through the stages of development and move into the Merrill Financial Advisor role.

This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process.

During this stage of your journey, you will receive the necessary training and guidance through a defined path to become the financial advisor you want to be. You will have the opportunity to work with both affluent and high net worth clients, identifying needs, developing relationships, reviewing investment goals, and preparing investment recommendations that align with the goals of both existing and prospective clients. Once you have honed your skills and demonstrated success as a FSA, you typically will progress into the next stage of training and development as a Merrill Financial Solutions Advisor. This role within the Advisor Development Program provides the opportunity to pursue a career within Merrill Wealth Management.

We’ll help you

• Build a successful careerat Bank of America through world-class training and on-boarding programs that set you up for success.
• Get training and one-on-one coachingfrom Academy managers who are invested in your success.
• Grow your business knowledgeby using a defined consultative approach with clients to systematically identify client needs and appropriate solutions.
• Earn your Security Industry Essentials (SIE), Series 7 and Series 66 licenses(63 & 65 accepted, in lieu of 66) though structured lessons and dedicated study time. You must obtain yourSIEwithin 60 days of being hired & yourSeries 7 & 66within 120 Days - a requirement for the role.
• Build your network.Starting at a financial center, you’ll interact with banking customers, small business owners and higher net worth clients alike. You’ll be able to leverage our relationships with one out of two households in the U.S. to help eventually grow your business.
• Provide end-to-end comprehensive advice, deliver clientreviews/presentationswith confidence and recommend strategies to help clients achieve their financial goals and life priorities.
• Collaborate with core banking and investment partners.Connect clients to all of the solutions we provide through Bank of America and Merrill to meet virtually all of their financial needs.

As an Advisor Development Program Financial Solutions Advisor in the centralized segment you can look forward to

• Unlimited potential for financial growth.
• A strong referral base from across the business through our relationship with one in every two households.
• Managing a portfolio of clients by providing exceptional client care with industry leading products, services, and education.
• Robust marketing support to reach wider audiences with greater appeal.
• Ongoing professional development to deepen your skills and optimize your practice as the industry evolves and changes.
• Opportunities to connect with experts including small business consultants, mortgage lenders and investment advisors.

You’re the kind of person that (required skills)

• Sets and accomplishes goals, achieving whatever you put your mind to.
• Is comfortable in a sales role, finding ways to nurture strong relationships with prospective clients.
• Communicates clearly and confidently with clients from all walks of life.
• Works well with others and collaborates productively to get things done.
• Can manage complexity, prioritize tasks and execute in a fast-paced environment.
• Likes to learn on your feet, adapting to new information and seeking the right solutions for clients.
• Efficiently manages your time and capacity.
• Is thorough and will incorporate relevant regulatory due diligence into daily to-do’s and long-term strategies for clients.

You’ll be even more prepared if you have (desired skills)

• Strong computer skills with an ability to multitask in a demanding environment.
• A bachelor’s degree, or 1-2 years’ experience working in the financial service industry and/or a sales environment where goals were met or exceeded.
• Experience assessing client needs,identifying/recommendingsolutions, and building/managing client relationships.

We’re a culture that

• Believes in responsible growth and has a proven dedication to supporting the communities we serve.
• Provides continuous training and developmental opportunities to help people achieve their goals, whatever their background or experience.
• Believes diversity makes us stronger, so we can reflect, connect to and meet the diverse needs of our clients and customers around the world.
• Is committed to advancing our tools, technology, and ways of working. We always put our clients first to meet their evolving needs.

Job Description:

Responsibilities:

• Manages the end-to-end client journey to deliver on client needs and drive sales opportunities while mitigating risk

• Identifies and refers specialized small business opportunities and solutions to clients while conducting small business relationship reviews

• Delivers a branded customer experience within aligned sales portfolios by being in the field a minimum of 80% of the time

• Fosters relationships with key partners such as Merchant, Practice Solutions, Treasury, and Business Banking to increase small business opportunities

• Leverages knowledge of credit to advise small business owners on solutions, services, and digital capabilities that help them meet their short and long-term business goals

• Supports execution of the sales delivery model to achieve targeted performance and growth of the bank's Small Business segment

• Coaches, develops, guides, and delivers feedback to associates and clients while embodying a client and employee-centric culture

:

• Has proven success in consultative sales in financial services or in business-to-business sales

• Ability to demonstrate examples of improving specific businesses financial outcomes by interpreting financial statements and recommending specific levers

• Is passionate about outside sales and enjoys spending time prospecting

• Wants to enhance existing relationships and exceed sales goals

• Can analyze financial conditions of clients and industry trends

• Can understand and interpret financial statements and cash flow analysis

• Has excellent communication skills and demonstrated leadership ability

• Enjoys partnering and negotiating with a team of bank employees to solve client issues

• Demonstrated management of a client portfolio with focus on relationship development and deepening

• Thorough knowledge of small business financial products and services

• Familiarity with CRM platforms and other banking systems

Desired Qualifications:

• Community leadership

• Strong computer skills with an ability to multitask in a demanding environment

• Undergraduate degree in business, finance or economics preferred or seven years relevant work experience

Skills:

• Client Experience Branding

• Client Management

• Client Solutions Advisory

• Customer and Client Focus

• Pipeline Management

• Credit Documentation Requirements

• Financial Analysis

• Oral Communications

• Prioritization

• Written Communications

• Coaching

• Interpret Relevant Laws, Rules, and Regulations

• Prospecting

• Risk Management

This job is responsible for serving as the primary credit relationship contact and maintaining ongoing relationships with credit clients. Key responsibilities include working with clients to design and execute credit solutions, leading new credit originations in collaboration with client management, credit risk, and syndications, and advising the Commercial Real Estate Banking portfolio group on any post closing credit actions as needed. Job expectations may include driving operational excellence and influencing leaders, peers, and client.

Responsibilities:

• Manages the underwriting of secured and unsecured transactions to Commercial Real Estate clients, including real estate secured construction and term debt, tax credit equity investments, unsecured corporate revolvers, bridge financing, commercial agency warehouse lines, and subscription lines
• Oversees the requisite due diligence once a credit opportunity is mandated, preparing the approval request documents, receiving final loan approval on a timely basis, and participating in the loan closing process
• Leads new credit originations and structures loans in collaboration with the relationship coverage team, products partners, Risk, Syndications, and Treasury
• Manages the end-to-end process for loan modifications and extensions on existing loans including structuring, due diligence, gaining approval, and closing
• Assists and advises the Commercial Real Estate Banking portfolio group on any post closing actions, as needed

Required Qualifications:

• 10+ years of Commercial Credit related experience
• Must have Commercial Real Estate Credit Experience
• Working knowledge of CRE loan documents

Desired Qualifications:

• 10+ years of experience in Commercial Real Estate Underwriting
• Experienced with client negotiation, legal document negotiation, loan closings
• Bachelor's Degree

Skills:

• Credit and Risk Assessment
• Customer and Client Focus
• Loan Structuring
• Oral Communications
• Written Communications
• Analytical Thinking
• Legal Structures and Legal Forms
• Presentation Skills
• Prioritization
• Relationship Building
• Attention to Detail
• Collaboration
• Strategic Thinking
• Underwriting