Business Solutions Specialist

Minimum 1 year of experience in credit origination or related business lending products
Ability to understand business financial statements, cash flow capacity, and loans across various industries and business types
Proven ability to maintain strong phone-based communication, and negotiation skills with individuals at all levels, internally and externally
Excellent relationship-building skills with clients, internal partners, and peers
Ability to recognize issues or problems that need escalation
Maintain strong technical skills while using Microsoft Office and internal bank systems

Provide phone-based consultation to prospects and clients around the appropriate product (loan vs line) for loans less than or equal to $250K
Proactively follow-up on all credit referrals less than or equal to $250K from both consumer branch-based employees and Business Relationship Managers
Use knowledge of business, finance, banking, and credit and risk management to identify and recommend small business credit products (i.e. lines of credit for working capital, letters of credit for trade finance, term loans for equipment financing, and treasury credit facilities) that best serve the client; and work within risk parameters that protect the bank
Work directly with clients to complete the application and fulfillment process, ensuring all necessary documents are included and complete
Submit all completed loan applications to Credit Service Center
Clearly communicate credit decisions and terms, including declinations and counter-offers to clients and prospects, with the goal of assisting the borrower with their access to capital-need and keeping internal partners informed of loan statuses and decisions
Protect the firm by following sound risk management protocols, and adhering to regulatory requirements and credit policies