Premier & Private Banking - Private Morgage & Resi Construction Banker

It starts with our culture...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.

The major duties of this job involve connecting quickly with people in a poised, convincing, and enthusiastic way. This job will entail working at an extremely fast pace and will require working cooperatively with and through people in order to complete tasks and will be integral in motivating others. The job requires team or collaborative work within the organization and will be integral in bringing out the best in others. This job will require a strong sense of urgency, initiative, and drive to get things done correctly, with emphasis on working with and through people in the process. Understanding people well and using that understanding effectively in motivating and persuading others to act will be an important aspect of the job. It is important in this job for goals to be set and reached, and for tasks to be completed in a timely manner. Decisions will often have to be made under pressure and will generally need the ideas and advice of others. Details will need to be handled quickly and accurately but will not be a repetitive part of the job. Many tasks in this job may entail selling or persuading others, and/or may entail training others in some capacity. This job will involve controlling all aspects of tasks, from the initiation, through the process and through to completion.

As a Private Mortgage & Residential Construction Banker, you will deliver the private client experience for a select group of NBH clients. The primary job responsibility is to actively pursue the full banking relationship of mortgage and builder construction clients of all types with a priority focus on the affluent client base. You will be expected to achieve specific deposit and loan sales and service goals on a quarterly and annual basis with a target credit relationship of $500,000 - $10,000,000 and a target deposit relationship of $250,000 - $5,000,000. Your secondary job responsibility will be to refer cash management/treasury product, small business, and commercial opportunities outside of target size to other internal partners.

You will be responsible for a variety of tasks including; establishing an entrusted banker-client relationship, work and counsel the client in all aspects of the loan process; from initial meetings to loan closing, coordinate assigned client financial and banking needs through a proactive and disciplined approach that reaches across multiple lines of business and service/support teams, and study and understand broad local and national economic and business issues that allow fluent advisory discussions with affluent clients to engage and to help determine client needs.

Additionally, you will proactively call on existing and potential clients, and develop and maintain relationships with business partners to maximize sales opportunities and achieve sales standards. You will maintain and support credit portfolio in accordance with organizational expectations including but not limited to: collecting financials, fostering future business growth, working past due payments, etc.

As well ask, you establish a referral network and build relationships within an established COI network, conduct market industry research for market trends that impact clients' business, and spot opportunities to provide financial services. You will also create pipelines of prospect and calling activity to be reviewed routinely with the Manager, and work closely with the Banking Center Managers to assist in growing loans and deposits for market place in a safe and sound manner. You will provide service, training and support to banking center staff to assist in meeting sales goals and servicing the client, work closely with the Private portfolio team to provide a proactive, responsive client experience as well as coordinate with Business Banking Officers, Treasury Management and Commercial Relationship Managers to support delivery of a full range of loan and deposit products to large businesses in the market area.

You are expected to be active in the immediate community, serving on community boards and attending community functions as time permits, protect all client and bank information, and follow Customer Privacy and Information Policy & Procedure for communication with clients, vendors and associates. You are responsible for adherence to bank's operational compliance and security policies and applicable state and federal laws, building a great rapport with clients and fellow associates, and treating others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.

• Bachelor's degree in Business Administrations or equivalent combination of education and work experience.
• Minimum 7 years progressive residential construction banking.
• Minimum 7 years of successful small business, construction, and consumer lending.
• Minimum 5 years private banking, progressive sales management, extraordinary client service and client/prospect calling.
• Must be/become registered and licensed in the Nationwide Mortgage Licensing System and Registry (NMLS) as required by the S.A.F.E. Act.
• This position requires compliance with all mortgage regulatory requirements and NBH's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
• Must possess a valid driver's license.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:

• Master's degree or equivalent combination of education and work experience.
• Experience in consumer compliance requirements and mortgage lending.
• Minimum 10 years of private banking experience.
• Completion of a bank training or formal credit training program.

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Strong credit background with ability to analyze financial statements, underwrite loans, and prepare loan presentations for approval by credit approval officers.
• Client service driven; very responsive and understanding to the needs of Private Banking client issues and concerns.
• Specialized competencies in delivery of deposit, loan and other banking products and services.
• Must be passionate about proactive relationship building of new business from existing clients and referrals. Proven track record of prospecting new relationships, as well as enhancing existing ones, and meeting or exceeding goals.
• Strong financial acumen and conceptual understanding of risk management.
• Highly effective written, verbal and interpersonal communication skills; demonstrated ability to speak effectively to internal and external clients.
• Ability to think creatively and meet challenges with resourcefulness.
• Strong interpersonal skills with the ability to build peer and/or team cohesiveness.
• Ability to work effectively in a collaborative environment.
• Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
• Ability to make sounds and timely decisions, to consistent deliver on commitments and assume responsibility for results.
• Carries one's self in a professional manner both inside and outside the bank, representing the bank in a professional manner at all times.
• Proficient in MS office applications which include Outlook, Word, Excel and PowerPoint.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• Office setting with traditional hours.
• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
• Must be able to travel - estimated at 25% to 50% of the time.

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

Thank you for your application!
The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.