Senior Business Advisor

Overview

To provide advanced business consulting services to assist members and non-members with identifying their business lending goals and objectives. Acts as a catalyst for the promotion and growth of Navy Federal Business Solutions products and services. Recommends appropriate lending, deposit, Treasury Management and investment products and services to achieve the members' goals. Manages moderate to high-dollar volume and moderate to complex member bases.

Responsibilities

• Provide subject matter expert consultative services primarily through via inbound and outbound calls to understand the members' financial needs and goals and educating members regarding products and services offerings
• Accountable for managing an established book of business, including growing the portfolio, developing and maintaining relationships and increasing member engagement both nationally and within a determined locality
• Analyze book of business, portfolios and interactions to determine new business opportunities with prospective and established members with larger portfolios and complex credit needs
• Provide strategic financial guidance and solutions for complex transactions and refer members to outside resources as appropriate
• Champion Business Solutions, driving awareness across the enterprise of products, service and referral program, establishing potential pipelines
• Prepare and present highly detailed and complex credit memos to the appropriate levels of management to include the credit committee
• Conduct onsite visual inspections of businesses to ensure adherence to covenants or collateral guidelines
• Ensure completion of annual documentation requirements to ensure accuracy and compliance with NCUA guidelines and Navy Federal policies and procedures
• Mentor and provide guidance to junior business advisors, facilitating growth in lending product expertise and relationship management
• Maintain knowledge of Navy Federal's field of membership and loan products & services
• Represent Navy Federal with a positive and professional demeanor and contribute to a performance focused and team-oriented workplace

• Bachelor's Degree in Finance, Economics, Business Administration, or related field, or the equivalent combination of education, training and experience
• Significant experience working in a customer-facing role in an advisory business lending or sales role, preferable for a larger financial service organization
• Advanced skilled with identifying potential prospects resulting in successful loan origination.
• Expert skill building effective relationships through rapport, trust, diplomacy and tact
• Advanced research, analytical, and problem-solving skills
• Advanced skill communicating accurately, clearly and concisely including presenting to staff and leadership teams
• Advanced skill to influence, negotiate and persuade to reach agreeable exchange and positive outcomes
• Expert skill actively guiding members through interactions to reduce member effort and enhance member loyalty
• Expert skill applying lending principles, financial practices and evaluation of creditworthiness to make sound credit decisions
• Advanced knowledge Navy Federal loan programs, products, services, financing options
• Advanced knowledge of mathematical principles
• Advanced skill managing multiple priorities independently and/or in a team environment to achieve goals
• Advanced knowledge of Treasury Management, SBA Lending, and Business Insurance
• Significant experience developing, documenting and presenting credit analyses associated with business lending opportunities including commercial real estate (CRE), commercial and industrial (C&I), Small Business Administration and NFIS referrals
• Significant experience skill in applying lending principles, financial practices, and evaluation of creditworthiness to facilitate credit decisions