Private Banker III
Location: New Orleans, Louisiana
Description: Hancock Bank is presently looking of Private Banker III right now, this occupation will be delegated in Louisiana. More details about this occupation opportunity kindly read the description below. Summary Serves as a trusted personal financial advisor to high income/net worth customers through a seamless delivery of Wealth Management products and services generating revenue to the organization ! to include loans, deposits, financial planning and ancillary products offered through Hancock Bank Business Partners; Properly underwrites new loans and manages existing loans to ensure the company's credit quality standards are met or exceeded.by performing the following duties.
Anyone who takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan for compensation or gain must register with the National mortgage Loan system as a Mortgage Loan Officer (MLO). To be registered, the MLO must pass a background check. Failure to comply with registration and annual registration or not pass a criminal background check administered by NMLS will result in termination.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Provides lending services to high net worth clients in both commercial and personal loans and is responsible for loan recommendation and structuring negot! iations with the borrower and internal officers
Maint! ains current financial statements on borrowers & guarantors and prepares comprehensive credit files
Underwrites and analyzes financial statements of prospective borrowers and makes recommendations to Senior Lenders/Credit Concurrence Officers regarding approval
Responsible for loan structures based on customer needs and in accordance with bank policy then packages and presents loan proposals to appropriate approval authority
Tracks loan agreements and other loan reporting requirements
Negotiates terms and conditions of loans with clients
Responsible for managing risk within the loan and deposit portfolios by closely monitoring delinquencies, overdrafts, documentation and other signs of credit deterioration; Actively monitors loan portfolio to ensure credit quality within the current and prospective loan portfolio
Responsible for assembling financial information and generating complete loan packages for approval presentat! ion
Works closely with clients to identify financial service needs and provide appropriate solutions
Accountable for attainment of goals set forth by management for growth in loans, deposits and fee income
Ensures loan agreements are complete and accurate according to policy and assures timely loan closing and funding activities
Forms excellent working relationships with numerous internal and external business partners that may include lawyers, accountants and financial advisors to assist with referring customers for private banking sales
Evaluates needs of potential customers and offers appropriate financial products and services
Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business
Promotes and cross-sells other establishment products and services as appropriate to customer requirements
Secondary Duties
Attends sales conference calls ! and commercial lending sales meetings at least weekly
Attends ! quarterly sales meeting in Gulfport
Supervisory Responsibilities
This job has no supervisory responsibilities.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Education and/or Experience
Bachelor’s degree, preferably in finance, post graduate study in the banking field and at least six to ten years related experience and/or training
Language Skills
Ability to communicate effectively orally and in writing using the English language; Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations; Ability to write reports, business correspondence and procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, custo! mers and the general public.
Mathematical Skills
Ability to work with mathematical concepts such as probability and statistical inference; Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations
Reasoning Ability
Ability to define problems, collect data, establish facts, and draw valid conclusions; Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Computer Skills
Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, Access and Powerpoint; Ability to learn or knowledge of Outlook email program
Other Skills and Abilities
Highly motivated; Self starter; Excellent sales skills required; excellent interpersonal skills; Ability to work autonomously
Certificates, Licenses, Registrations
Series 7 - General Securities; Life and He! alth licenses for the state(s) where business is conducted.
Ce! rtified Financial Planners designation required within a three year period after hire in this position
Anyone who takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan for compensation or gain must register with the National mortgage Loan system as a Mortgage Loan Officer (MLO). To be registered, the MLO must pass a background check. Failure to comply with registration and annual registration or not pass a criminal background check administered by NMLS will result in termination.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Core Values - Has a high level of commitment to service to all of our customers, both external and internal; Honors others and acts with integrity and ethics; Promotes Hancock Holding Company in safety and financial strength and stability; Exhibits teamwork and the value that no one person is more importan! t than another; Accepts personal responsibility for actions.
Business Skills - Pays close attention to detail; Possesses good organizational skills; Has basic accounting skills; Has knowledge of basic bank products such as depository accounts and investment vehicles.
Analytical - Collects and researches data; Uses intuition and experience to complement data.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.
Project Management - Completes projects on time and budget.
Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills.
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
Interpersonal Skills -! Focuses on solving conflict, not blaming; Maintains confidentiality; L! istens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings.
Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives.
Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision.
Change Management - Develops workable implementation plans; Builds commitment and overcomes resistance.
Leadership - Exhibits co! nfidence in self and others; Effectively influences actions and opinions of others; Accepts feedback from others.
Business Acumen - Understands business implications of decisions; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Cost Consciousness - Works within approved budget; Contributes to profits and revenue .
Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Promotes a harassment-free environment.
Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational Support - Follows policies and procedures; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Strategic Thinking - Develops strategies to achieve organizational goals; Underst! ands organization's strengths & weaknesses; Analyzes market and competi! tion.
Judgment - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions.
Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Develops realistic action plans.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity.
Sa! fety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines.
Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
Dependability - Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals; Completes tasks on time or notifies appropriate person with an alternate plan.
Initiative - Volunteers readily; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Presents ideas and information in a manner that gets oth! ers' attention.
Physical Demands The physical demands describe! d here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel such as using a computer mouse or writing and talk or hear in person or on the telephone with other employees, supervisors and in some cases the general public and board of directors. The employee is frequently required to walk and sit. The employee is occasionally required to stand; reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, color vision and depth perception.
Work Environment The work environment characteristics described here are representative of those ! an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to outside weather conditions; extreme cold and extreme heat. This job entails outside sales activities. The noise level in the work environment is usually moderate.
Assignment of Duties
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBLITIES TO THE JOB AT ANY TIME.
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If you were eligible to this occupation, please deliver us your resume, with salary requirements and a resume to Hancock Bank.
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This occupation starts available on: Wed, 20 Mar 2013 23:45:57 GMT