Banking & Lending Officer

This is a fully remote position, open to applicants in United States.

📋 Description

• Drive growth in loans and deposits by acting as the main banking partner for USPF sales teams.

• Transform premium finance relationships into commercial lending prospects.

• Originate and design credit solutions for mergers and acquisitions, ownership transitions, and working capital financing.

• Foster relationships with principals of insurance agencies and brokerages.

• Offer insights on valuation methodologies and strategies for long-term growth.

• Collaborate with Portfolio Management and Underwriting to arrange compliant transactions.

• Develop a business development strategy for USPF clients and pinpoint sales opportunities.

• Conduct sales outreach to current clients and potential prospects.

• Oversee pricing, fees, loan portfolios, and deposit portfolios to achieve profitability and revenue goals.

• Gather and analyze financial data to evaluate viability, cash flow, and credit ratings.

• Structure significant, intricate loan and deposit opportunities.

• Prepare documentation for Loan Committee approval.

• Manage portfolio documentation, compliance, quality control, and collections.

• Monitor sales activities and prospects using Customer Relationship Management systems.

• Represent the Bank at business development, networking, and community events.

• Cultivate partnerships with other business lines.

• Ensure adherence to internal controls, operating procedures, and risk management policies.

• Uphold ethical sales practices and prioritize customers’ best interests.

⛳️ Requirements

• In-depth knowledge of cash flow-based lending and insurance agency business models.

• Proven track record in a collaborative, partnership-focused sales environment.

• Experience in managing both internal stakeholders and external client relationships.

• Excellent communication and relationship management abilities.

• Advanced financial analysis skills, particularly in assessing intangible assets.

• Results-driven mindset with a strong focus on execution.

• Willingness and ability to travel up to 75% across the United States.

• At least 5 years of experience in commercial lending and/or finance related to insurance.

• 5–7 years of experience in product knowledge, sales processes, and vendor interactions.

• 5–7 years of B2B sales experience.

• Bachelor’s degree in business or a related field is required.

• Certified Treasury Professional (CTP) certification is preferred.

🏝️ Benefits

• Medical, Dental, and Vision Insurance.

• Life Insurance provided at no extra cost to employees.

• Accidental Death & Dismemberment Coverage.

• Long-Term Disability Coverage.

• Paid Sick and Vacation Leave.

• 11 Holidays.

• Volunteer/Service Day.

• Employee Stock Purchase Plan.

• 401(k) Retirement Plan with 50% matching on the first 8% of contributions.

• Flexible Spending Accounts.

• Health Savings Account.

• Health Reimbursement Arrangement.

• Supplemental Life & Other Insurance Plans.

• Identity Theft Protection.

• Pet Insurance.

• Legal Insurance.

• Employee Assistance Program.

• Employee Advocacy Program.

• Tickets at Work entertainment discounts.

• AT&T Employee Discount.

• Wellness Discounts for Medical Premiums and Other Rewards.

• Employee Referral Incentive.

• Education Assistance.

• Employee Resource Groups.

• Free Interest Checking.

• Free Safe Deposit Box.

• Free Money Orders, Travelers’ Checks, and Cashier Checks.

• Discount on Mortgage Origination Fee.

• Free Online Banking and Free Unlimited Online Bill Payment.

• Banking advantages and employee banking perks.