Business Banker

The Business Banker is primarily responsible to source and deliver low-cost business deposits, C & I credit facilities (revolving lines of credit, equipment loans, term loans and owner-occupied real estate), treasury management solutions, merchant and credit card services and WaFd insurance to businesses with borrowing needs per the WaFd credit philosophy and underwriting standards.  The attributes of a successful Business Banker include a thorough understanding of all products and services offered by the bank which support current and prospective small business clients.  The Business Banker should actively engage with branch employees, create and follow a disciplined marketing strategy that includes, but is not limited to; involvement in community organizations, persistent direct calling on prospective businesses and developing/maintaining a robust network.

Along with the key functions listed below, this position will be expected to uphold the value that WaFd Bank places on simply being kind when servicing our co-workers and WaFd Bank clients.

KEY FUNCTIONS:

• Primarily an outbound sales position that is designed to drive low-cost business deposits, small business loans/lines, treasury management solutions, merchant and credit card services and WaFd Insurance.
• Consistently using at least 80% of time in business development.
• Seeks to develop new business by contacting prospects and clients to sell cross market bank opportunities.
• Interviews loan applicants, collect/analyze financials and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request. Obtain information by direct inspection of the applicant’s business and or collateral, review of internal financial reports, personal interviews, etc.
• Demonstrates a reasonable level of business acumen. (Business plans, appraisals, business financials and business entities.)
• Makes referrals to branches or relationship managers for products outside of their scope.
• Collaborates with branch managers and branch personnel with emphasis on increasing business product knowledge and sourcing new prospects.
• Teaches basic business financials and the difference of business entities to branch personnel.
• Leads joint calling efforts with branches.
• Serves as a contact for non-borrowing accounts and loan customers for matters relating to bank services.
• Participates in community organizations to increase the Bank’s visibility and to enhance new business opportunities.
• Serves as a contact for non-borrowing accounts and loan customers for matters relating to bank services.
• Adhere to bank policies and procedures designed to comply with federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations. To that end, ensure timely and accurate preparation of Currency Transaction Reports, Suspicious Activity Reports and other recordkeeping requirements.
• Complete and pass all assigned eLearning courses and assigned certifications as required.
• Avoid all real or perceived conflicts of interest and always maintain client privacy and confidentiality.
• Adhere to bank policies and procedures designed to comply with Federal regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and OFAC regulations.
• Completes other duties as assigned.

• Bachelor’s degree or equivalent experience in a financial institution.
• Business banking experience preferred. 
• Two to three years of experience in banking sales and service, two years experience in outside business to business sales
• Must be self-motivated and production-oriented.
• The ideal candidate will possess effective business development/client acquisition skills.
• Ability/desire to coach and mentor other managers with emphasis on sales and credit.
• Strong verbal and written communication skills and a high level of accuracy and attention to detail.
• Applicant must be able to interact with the public, in person and by telephone, in a personable, professional manner, and handle pressure in a fast-paced, changing work environment.
• Individual must be a self-starter, experienced with working in a team and individual sales environment, and have a strong track record in achieving sales results.
• Computer proficiency with basic Microsoft Office applications (e.g., Word, Excel and Outlook) is required.

At WaFd Bank you get all of these great benefits!

• Paid time off for vacation, sick days and holidays
• Health insurance
• Stock options
• Bonus programs
• Generous 7% 401(k) employer matching*
• Paid Parental Leave
• Life and AD&D insurance
• Long-term disability
• Tuition Reimbursement
• Employee assistance programs
• Pre-tax health and dependent-care spending plans

WaFd Bank Benefits Summary - Click here for more information

We are committed to Equal Employment Opportunity and Affirmative Action. We recruit, hire, train and promote persons in all job titles and ensure that all other personnel actions are administered without regard to race, color, religion, sex, sexual orientation, gender identity, military and/or veteran status, or disability in accordance with Executive Order 11246, Section 503 of the Rehabilitation Act of 1973, as amended, and the Vietnam Era Veterans Readjustment Assistance Act of 1974, which require affirmative action to ensure equal opportunity in all aspects of employment. WaFd Bank does not discriminate on the basis of national origin or citizenship status as provided under the Immigration Reform and Control Act of 1986, or any other Federal or State legally-protected classes. WaFd Bank is committed to providing reasonable accommodations to employees and applicants with disabilities to the full extent required by the Americans with Disabilities Act (ADA). If you feel you need a reasonable accommodation pursuant to the ADA, you are encouraged to contact us at 800.324.9375

EEO is The Law - click here for more information

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled

EEO Policy Statement - WaFd Bank

Know Your Rights: Workplace Discrimination is Illegal - click here for more information

Pay Transparency Nondiscrimination Provision - click here for more information

CCPA Notice at Collection for CA Employees and Applicants