Loan Officers

**_Great company. Great people. Great opportunities._**

If you’d like the chance to make your mark with the world’s largest equipment rental provider, **come build your future with United Rentals!**

As Branch Manager at United Rentals, you'll be the leader of a major business enterprise. You'll have the opportunity to hire and motivate an amazing team in various roles, from sales and service to maintenance and drivers. You'll ensure enthusiastic and informed customer service. And you will build a profitable location with your business and management skills, ambition and competitive spirit.

Sound challenging and fun? We'll provide the tools, the technology and the support you need to do the job right. You'll be proud of your employees, your branch and the work we all do in providing the equipment that helps build our communities.

**What you'll do:**

+ Manage overall branch operations to ensure safety, productivity, customer service and profitability

+ Oversee sales efforts and business initiatives

+ Prepare reports, including profit and loss statements, monthly operating reviews, yearly budgets and other reports detailing operational status

+ Manage personnel matters

+ Oversee all safety matters, including audits, safety training, OSHA compliance, DOT regulations and drug and alcohol testing

+ Other duties assigned as needed

**Requirements:**

+ Bachelor’s Degree Preferred

+ Minimum 5 years of successful business management experience with profit and loss responsibility at a branch or other individual profit center

+ An understanding of business accounting principles and budget preparation

+ Strong sales and customer service experience required, outside sales experience preferred

+ Effective leadership, motivational, organizational and communication skills

+ Proficient computer skills and experience using Microsoft Office

+ Knowledge and experience in the equipment rental industry preferred

+ Valid driver's license with acceptable driving record

This position is deemed Safety Sensitive for purposes of United Rentals’ policies and procedures.

**_Why join us?_**

We don’t just “talk the talk!” We’re an award-winning company (recently named a Glassdoor Best Place to Work in 2023) that truly cares about our people - That’s why we offer best-in-class benefits and perks that will support you and your family. In addition to our health and financial plans, we also offer:

+ Paid Parental Leave

+ United Compassion Fund (http://jobs.unitedrentals.com/creative/culture)

+ Employee Discount Program

+ Career Development & Promotional Opportunities

+ Additional Vacation Buy Up Program (US Only)

+ Early Wage Access through Payactiv (US Hourly Only)

+ Paid Sick Leave

+ An inclusive and welcoming culture (http://jobs.unitedrentals.com/creative/diversity)

Learn more about our full US benefit offerings (http://unitedrentalsbenefits.com/) here.

Mutual respect for the dignity and fundamental rights of all persons defines our culture. United Rentals, Inc. is an Equal Opportunity Employer and makes employment decisions regardless of race, color, religion, sex, national origin, age, genetic information, citizenship status, veteran status, sexual orientation, gender identity, disability, or any other status protected by law. If you need a reasonable accommodation at any point of the application process, please email [email protected] for assistance.

At United Rentals, we proudly hire active duty members, veterans, reservists, and their families. The values that define your service—leadership, discipline, integrity, and teamwork—are the same values that drive our success. With many veterans already part of our team, we’re ready to help you transition into a rewarding career.

**_United Rentals consists of a wide variety of roles with different duties and responsibilities. The actual pay rate offered to candidates varies depending upon a wide range of factors including specific position, education, training, experience, skills, and ability._**

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

Responsible for demonstrating and ensuring all team members provide an excellent customer experience reflective of U.S. Bank culture and core values. The primary duty of this role is to lead and manage branch(es) to ensure that goals are met and to ensure compliance with all banking laws and regulations. This role will regularly coach, develop, mentor and train team members and exercise discretion with independent judgement in performing necessary duties. Responsible for utilizing effective communication and critical thinking to identify financial resources for customers and fulfill those needs by providing direction and recommendations to appropriate products and services and helping individual and business customers reach their financial goals through collaboration with partners including wealth, business banking, mortgage, or payment services. Acts as leader for customer experience, provides motivation and direction for the team, expands customer base and promotes and participates in the local market/community to identify the needs and promote U.S. Bank products and services.

**ESSENTIAL FUNCTIONS:**

1. Empowers, builds, and inspires team through effectively communicating business goals, objectives and company performance results in a simplified manner. Leads with empathy and creates an environment where team members and clients feel valued. Sets and communicates individual employee performance expectations including performance goals and core behaviors. Swiftly zeros in on priorities through concise communication and eliminates roadblocks to optimize productivity. Interprets performance results and finds opportunities to drive success and holds team accountable to actions and results.

2. Effectively leads through change, can navigate ambiguity and demonstrates agility. Adapts leadership style to each situation to fit the needs of their team.

3. Leads individuals and teams to improved and optimal performance through regular multi-faceted coaching and development activities. Creates an environment that fosters teamwork, innovation and encourages collaboration with team members, including U.S. Bank partners.

4. Provides day-to-day management of team members and makes decisions regarding candidate selection, employee compensation, promotion, discipline and termination.

5. Adapts to new digital programs, products, services and technology platforms. Teaches digital fluency and financial literacy to team members and customers. Embraces opportunities to advocate for digital solutions focused on customer benefits of digital technology and drives initiatives to increase customer digital usage.

6. Responsible for planning and executing customer market share growth at branch level including building relationships and collaborating with partners that are centered around U.S. Bank products and services.

7. Demonstrates mastery at delivering an exceptional customer experience, deepening relationships, proactively identifying ways to add value for customers. Creates a culture of customer obsession with team members by providing a world class customer service experience. Actively observes customer experience within the branch and identifies opportunities to consistently exceed customer expectations. Uses influence with a focus on developing long-term relationships. Able to have proactive conversations with customers and manage their feedback.

8. Establishes, maintains and manages an effective advisory and service environment through the customer engagement model. Proactively communicates with customers to demonstrate possible alternative methods of product and service delivery to increase usage. Applies financial acumen, critical thinking and problem-solving skills to meet team members’ and customer’s needs. Maintains an in-depth knowledge of U.S. Bank products and services.

9. Partners with district, regional and divisional leadership, and others to ensure optimal utilization of human capital resources. Focuses on growing revenue, managing controllable expenses and growing the business, while exceeding customer expectations and focusing on becoming central in the lives of our customers.

10. Participates in local market/community activities to promote U.S. Bank growth and culture, ensuring that a strong local presence is present and encourages team members to utilize their volunteer time and engage with the community.

11. Ensures compliance with all banking laws and regulations and requires the same of all staff through continuous compliance training. Ensures documentation and/or reporting of all applicable transactions is within accepted quality standards of completeness and accuracy. Limits bank losses and overall exposure.

12. Requires National Mortgage Licensing Service (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z and ongoing compliance with all legal or regulatory registration requirements, including, but not limited to maintaining a satisfactory criminal and credit record. Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.

13. Actively participates in any required corporate and business line training in these areas. Follows account opening procedures and understands and follows internal suspicious activity referral requirements and processes, as required for this position. Actively works with customers to understand each customer's normal account activity, as appropriate for this position.

14. Performs other duties as assigned or required.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

**Basic Qualifications**

- Bachelor’s degree, or equivalent work experience

- Four to five years of experience working in a sales, retail management, or banking environment

**Preferred Skills/Experience**

- Thorough product/service knowledge and thorough knowledge of regulatory, policy and compliance issues

- Solid understanding of retail product philosophy, including policies, procedures, documentation, and systems

- Thorough knowledge of teller and platform functions, including but not limited to processing transactions, balancing cash, opening accounts, and sales techniques

- Effective analytical skills to evaluate credit requests, prepare budgets and determine trends in a given marketplace

- Effective interpersonal communication, leadership, relationship management, time management, sales activities management, and sales ability skills

- Ability to evaluate and resolve problems and issues with minimal guidance

- Demonstrated success in retail sales environment

- Working knowledge of employment practices including rewards and recognition, employee development, and change management

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $86,360.00 - $101,600.00 - $111,760.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

**Account & Relationship Management Executive – Field Sales Health IT**

Wolters Kluwer R0046084

**LOCATION:** Remote U.S. – Preferred locations are Washington (state), Oregon, or San Francisco including Bay Area/Northern CA; or surrounding areas such as Utah, Wyoming, Idaho, and Montana.

**OVERVIEW**

Your role will be responsible for managing and growing existing Commercial Customer relationships in a defined, US-based territory. Core functions include fostering relationships within account base, securing renewals, growing revenue through both price increases and application upsells, providing ongoing training and support to maximize usage. inner departmental account touches pertaining to account base and the communication of new enhancements to solutions and existing applications.

The territory will be Northwest United States, so we prefer our candidate to be regionally located in the area for travel to customer locations.

**RESPONSIBILITITES**

**Opportunity Identification & Development**

+ Identify target opportunity and stakeholders.

+ Facilitate outreach and background information collection with new opportunity.

+ Identify and build relationships with key stakeholders.

+ Conduct customer needs assessment.

+ Qualify target opportunity based upon account value, threats, and barriers.

+ Record accurate customer data in the CRM system.

+ Build effective sales pipelines.

+ Prepare activity and forecast reports.

+ Attend conferences and tradeshows to promote product visibility and generate leads.

**Active Selling**

+ Meet and exceed monthly, quarterly, and yearly revenue targets through complete ownership of an assigned book of business.

+ Create and update a Book of Business Plan to include strategy, tactics, and milestones as it relates to hitting goals set by the company.

+ Customize and communicate product value proposition and solution design.

+ Develop and review implementation scope.

+ Coordinate with Sales Operations team in executing supporting active selling functions including contract creation, terms, and conditions development, quoting, and modifications.

+ Conduct contract reviews, pricing, and negotiation.

+ Obtain final signature and finalize order.

**Customer Retention & Satisfaction**

+ Build lasting customer relationships to retain and grow existing commercial customer base.

+ Review account utilization management reporting and provide recommendations.

+ Conduct regular account review meetings.

+ Collaborate with marketing in account communications planning and marketing campaigns.

+ Identify cross-sell and up-sell opportunities.

+ Work closely with other Commercial Sales colleagues on new implementation, training of customers.

+ Manage all aspects of trial and subscription usage activity to ensure the customer realizes the full value of our services.

+ Trains all new clients and proactively seeks out training opportunities with existing clients who demonstrate low product usage. Client usage stats must be reviewed during the monthly meetings with the Account Manager to identify renewal concerns and the need for additional training opportunities. Responds promptly and professionally to customer inquiries and seeks out opportunities to provide a high level of customer service.

+ Collaborate with marketing in account communications planning and marketing campaigns.

**Sales Leadership**

+ Provide territory coverage.

**Additional Duties**

+ Assist and communicate effectively with all departments as it relates to the company selling process.

+ Comply with established sales policies, pricing guidelines, and best practices.

+ Maintain the highest standards of integrity and respect for co-workers and customers Special projects as assigned.

+ Act as liaison between the marketplace and Wolters Kluwer Product Development Team by actively seeking out and documenting product and market feedback.

+ Participating in new system user acceptance testing.

**QUALIFICATIONS**

**Education:** Bachelor's degree or equivalent years of experience.

**Experience:** A minimum of 5 years of sales experience preferably in healthcare or IT related sales with a track record of success in building relationships throughout relevant customer disciplines and departments, meeting goals, and presenting to high level decision makers.

**Other Knowledge, Skills, Abilities or Certifications:**

+ Computer skills (Internet, Excel, PowerPoint, Word, and CRM Programs)

+ Experience demonstrating and selling sophisticated and complex products/technologies.

+ Possess product knowledge of all applications that are sold in the commercial market.

+ Telephone, presentation, and written communication skills.

+ Valid US driver’s license and passport to manage overnight travel up to 30% - 35% in territory.

**TRAVEL:** Travel to an assigned territory to meet with customers. This position requires approximately 30%-35% travel.

\#LI-Remote

**Compensation:**

Target salary range CA, CT, CO, DC, HI, IL, MD, MN, NY, RI, WA: $95,560 - $133,750

This role is eligible for Commission.

**Additional Information** :

Wolters Kluwer offers a wide variety of competitive benefits and programs to help meet your needs and balance your work and personal life, including but not limited to: Medical, Dental, & Vision Plans, 401(k), FSA/HSA, Commuter Benefits, Tuition Assistance Plan, Vacation and Sick Time, and Paid Parental Leave. Full details of our benefits are available upon request.

EQUAL EMPLOYMENT OPPORTUNITY Wolters Kluwer U. S. Corporation and all of its subsidiaries, divisions and customer/business units is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

**_Are you ready to be part of something more?_**

You’re more than a means to an end—a way to help us meet the bottom line. UMB isn’t comprised of workers, but of people who care about their work, one another and their community. Expect more than the status quo. At UMB, you can expect _more heart_ . You’ll be valued for exactly who you are and encouraged to support causes you care about. Expect _more trust_ . We want you to do the right thing, no matter what. And, expect _more opportunity_ . UMBers are known for having multiple careers here and having their voices heard.

As the leading line of business, UMB’s bottom line is directly impacted by the growth of our commercial Agricultural portfolio. The team consists of Portfolio Managers, Underwriters, Credit Analysts, Treasury Management and Commercial Card professionals, and Capital Markets partners. This team manages Ag relationships throughout its life – developing meaningful connections with management of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.

The Ag Relationship Manager leads a team of professional product specialists and they collectively shape solutions that will entice prospective companies to award new business to UMB. Engaging and building relationships with Business Owners, CFO’s, CEO’s, Controllers, and working with existing clients, you have the ability to help clients achieve their financial dreams, stream line business processes and help them better understand their working cash flow needs.

Working for UMB is about collaborative spirit with internal stakeholders, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and working directly with the decision makers.

**How you’ll spend your time:**

+ You will build your own commercial loan portfolio, by prospecting for new Agricultural business.

+ You will engage and lead other team members to determine what other products and services the client might benefit from.

+ You will collaborate with commercial clients to better understand their business and financial needs.

+ You will analyze the business in order to qualify clients for bank products and services.

**We’re excited to talk with you if:**

+ You have 5 years sales experience with 2 years in Agricultural Commercial Bank Sales.

+ Bachelor’s degree or equivalent experience in related field.

+ You are curious and want to know how companies work and what helps them remain successful in their respective industries.

+ You have demonstrated knowledge of credit, bank products, services, underwriting, and bank operations.

**Compensation Range:**

$99,750.00 - $214,370.00

_The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information_

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

**Are you ready to be part of something more?**

You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ [email protected]_ _to let us know the nature of your request._

_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._

**_Who we are_**

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf)

Check out the road to a career at UMB

*RESIDENTIAL LENDING LOAN OFFICER ENTERTAINMENT*

WHAT IS THE OPPORTUNITY?

This position is responsible for referral-based sales of first mortgage and concurrent second loan products to existing and potential private banking and high net worth clients. By partnering with CNB's Relationship Managers, the position will support business development activities of line units and develop sales strategies to attract, retain and expand CNB client relationships through the sale of mortgage loan products and services. Conduct client/prospect needs analysis and develop proposed solutions/sales presentations to meet their needs. Maintain current knowledge of all first mortgage and concurrent second loan products and services offered.

What you will do

* Functions in a senior mortgage Relationship Manager role, which in addition to servicing the mortgage needs of Private Banking clients includes the negotiating of complex lending transactions and unique pricing structures. Customers tend to have complicated lending requirements often involving custom programs or documentation. Additionally, responsible for assisting in the cross-selling of other products/services to these relationships. Primarily works with CB, PB and Entertainment.

* Uses proactive, consultative sales skills and strategies to identify client needs, quantify service / product benefits and present recommendations to targeted clients and prospects as assigned.

* Develops and negotiates mortgage loan sales plans in conjunction with Relationship Managers, Regional Managers, Banking Office Managers and Line Officers to support existing clients and develop new CNB relationships. Coordinates client/prospect calling activities with Relationship Managers and serves as primary technical expert for all mortgage loan products, programs and pricing.

* Fosters ongoing relationships within assigned territory by providing product/service information, attending officer meetings, conducting training sessions and supporting the business unit's effort to attract, retain and expand client relationships.

* May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources and other professionals in the industry.

* Negotiates transactions; prices loan products within targeted rate of return; coordinates the documentation and closing of loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in recommending loans for approval.

* May coordinate the cross-selling of other product and/or services (i.e., cash management, foreign exchange, investment and trust, etc.). May interface with other Bank departments as necessary to define responsibilities and coordinate objectives for all product areas.

* Obtains and completes mortgage loan application packages, including supporting documentation required to process loan requests; reviews information to ensure that files submitted meet regulatory agency and CNB policies; forwards application packages to Residential Lending within specified times in order to meet regulatory requirements for initial disclosures and timely processing as required under Regulation B and RESPA.

* Contacts borrowers directly for additional information related to loan requests, summarizes information and exercises sound credit and risk judgment in recommending transactions for approval.

* Maintains a solid understanding of the Bank's credit products, programs policies and procedures.

* Participates in the development of marketing strategies and sales objectives that are consistent with overall company objectives. Maintains an awareness of consumer market conditions and provides current information on industry trends and competitive practices that may be used in the development and/or delivery of mortgage loan products.

* Effectively manages a pipeline of loans on a daily basis.

* Represents CNB by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.

* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

* Performs other duties as assigned or requested.

*Must-Have**

* H.S. Diploma

* Minimum of 4 years mortgage lending experience in sales and originations.

* Minimum of 4 years of private banking experience required.

* Minimum of 7 years of business development/direct sales experience required

* SAFE Act Registration. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act.

*Skills and Knowledge*

* Excellent communication skills both written and verbal.

* Strong interpersonal skills, ability to communicate and manage well at all levels of the organization.

* Strong commitment to providing excellent customer service

* Collaborative with strong focus on teamwork.

* Analytical with a data-driven mindset to achieve goals

* Proficient in MS Office Power point, Excel, Word

* Ability to prioritize and handle multiple tasks

* Ability to define problems, collect data, establish facts, and draw valid conclusions.

* Strong technical background.

*Compensation*

Starting base salary: $53.56 - $91.22 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.'

ABOUT CITY NATIONAL

We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

*RESIDENTIAL LENDING LOAN OFFICER ENTERTAINMENT*

WHAT IS THE OPPORTUNITY?

This position is responsible for referral-based sales of first mortgage and concurrent second loan products to existing and potential private banking and high net worth clients. By partnering with CNB's Relationship Managers, the position will support business development activities of line units and develop sales strategies to attract, retain and expand CNB client relationships through the sale of mortgage loan products and services. Conduct client/prospect needs analysis and develop proposed solutions/sales presentations to meet their needs. Maintain current knowledge of all first mortgage and concurrent second loan products and services offered.

What you will do

* Functions in a senior mortgage Relationship Manager role, which in addition to servicing the mortgage needs of Private Banking clients includes the negotiating of complex lending transactions and unique pricing structures. Customers tend to have complicated lending requirements often involving custom programs or documentation. Additionally, responsible for assisting in the cross-selling of other products/services to these relationships. Primarily works with CB, PB and Entertainment.

* Uses proactive, consultative sales skills and strategies to identify client needs, quantify service / product benefits and present recommendations to targeted clients and prospects as assigned.

* Develops and negotiates mortgage loan sales plans in conjunction with Relationship Managers, Regional Managers, Banking Office Managers and Line Officers to support existing clients and develop new CNB relationships. Coordinates client/prospect calling activities with Relationship Managers and serves as primary technical expert for all mortgage loan products, programs and pricing.

* Fosters ongoing relationships within assigned territory by providing product/service information, attending officer meetings, conducting training sessions and supporting the business unit's effort to attract, retain and expand client relationships.

* May identify business opportunities and solicit referrals of other Bank products or services from existing clients, referral sources and other professionals in the industry.

* Negotiates transactions; prices loan products within targeted rate of return; coordinates the documentation and closing of loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgment in recommending loans for approval.

* May coordinate the cross-selling of other product and/or services (i.e., cash management, foreign exchange, investment and trust, etc.). May interface with other Bank departments as necessary to define responsibilities and coordinate objectives for all product areas.

* Obtains and completes mortgage loan application packages, including supporting documentation required to process loan requests; reviews information to ensure that files submitted meet regulatory agency and CNB policies; forwards application packages to Residential Lending within specified times in order to meet regulatory requirements for initial disclosures and timely processing as required under Regulation B and RESPA.

* Contacts borrowers directly for additional information related to loan requests, summarizes information and exercises sound credit and risk judgment in recommending transactions for approval.

* Maintains a solid understanding of the Bank's credit products, programs policies and procedures.

* Participates in the development of marketing strategies and sales objectives that are consistent with overall company objectives. Maintains an awareness of consumer market conditions and provides current information on industry trends and competitive practices that may be used in the development and/or delivery of mortgage loan products.

* Effectively manages a pipeline of loans on a daily basis.

* Represents CNB by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.

* Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

* Performs other duties as assigned or requested.

*Must-Have**

* H.S. Diploma

* Minimum of 4 years mortgage lending experience in sales and originations.

* Minimum of 4 years of private banking experience required.

* Minimum of 7 years of business development/direct sales experience required

* SAFE Act Registration. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act.

*Skills and Knowledge*

* Excellent communication skills both written and verbal.

* Strong interpersonal skills, ability to communicate and manage well at all levels of the organization.

* Strong commitment to providing excellent customer service

* Collaborative with strong focus on teamwork.

* Analytical with a data-driven mindset to achieve goals

* Proficient in MS Office Power point, Excel, Word

* Ability to prioritize and handle multiple tasks

* Ability to define problems, collect data, establish facts, and draw valid conclusions.

* Strong technical background.

*Compensation*

Starting base salary: $53.56 - $91.22 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

*INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT*

City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.'

ABOUT CITY NATIONAL

We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

Arizona Central Credit Union Ranked Top 10 Credit Unions in AZ for 2023

"Ranking Arizona: Top 10 credit unions for 2024" AZBIGMEDIA

Arizona Central Credit Union offers a comprehensive benefits package including affordable health benefits and up to 6% 401(k) match.

Role:

This position will be responsible for; opening new accounts, processing member transactions, loan applications, and assisting the branch manager with all activities associated with branch operations at our Show Low location.

Summary of Responsibilities:

+ Identifies member financial needs and offers solutions and products to meet those needs.

+ Assists branch manager in developing and communicating clear expectations for staff.

+ Assists the manager with the hiring, direction, development, training, motivation and discipline of branch personnel to consistently meet member needs as well as meeting branch goals in support of the credit union achieving its strategic goals and objectives.

+ Actively engages with members to build business and increase branch loan production. Works with staff on strategies to increase branch membership and grow loan production.

+ Processes loan applications in accordance with credit union policies and procedures. Offers members ancillary products on loans to help protect members and the credit union.

+ Monitors workflows, applications, and finished work to ensure compliance with credit union policies and procedures.

+ Assists branch manager with monthly compliance audits.

+ Manages branch effectively and efficiently when branch manager is absent.

+ Develops and maintains business partner relationships within the surrounding community and work collaboratively with the Partner Alliance department to increase branch membership.

Hours:

Monday - Friday: 8:45am - 5:45 pm (NO WEEKENDS)

Skills/ Requirements:

Experience: Three years of similar or related experience.

Powered by JazzHR

**About this role:**

Wells Fargo is seeking an Independent Testing Specialist to join the Independent Testing & Validation (IT&V) Consumer Lending group within the Corporate Risk organization. Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

**In this role, you will:**

+ Participate in less complex development and design of methodologies and standards for review activities companywide in alignment with the risk management framework

+ Ensure effective and appropriate testing, validation, and documentation of review activities for risk programs, risks, and controls according to standards and other applicable policies within Independent Testing

+ Support and implement less complex initiatives with low to moderate risk and exercise independent judgment to guide risk reporting, escalation, and resolution

+ Present recommendations for resolving more complex situations and exercise independent judgment while developing expertise in risk management framework and the risk and control environment

+ Collaborate and consult with colleagues, internal partners and management

**Required Qualifications:**

+ 2+ years of Independent Testing experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Testing, audit, regulatory and risk management experience

+ Strong analytical skills with high attention to detail and accuracy

+ Ability to identify issues, risk and escalate to the appropriate party

+ Ability to assess issues, make quick decisions, implement solutions, and influence change

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

+ Prior risk, compliance or testing within the Mortgage Lending environment

**Job Expectations:**

+ This position is not eligible for Visa sponsorship.

+ This position offers a hybrid work schedule.

+ Willingness to work on-site at stated location on the job opening.

**Posting Locations:**

+ 1150 W. Washington Street - Tempe, AZ

+ 11601 N. Black Canyon Hwy - Phoenix, AZ

+ 2700 S. Price Rd - Chandler, AZ

+ 401 S. Tryon Street - Charlotte, NC

+ 600 S. 4th Street - Minneapolis, MN

+ 2801 Market St, F & L Bldg - St. Louis, MO

+ 800 S. Jordan Creek Pkwy - West Des Moines, IA

+ 250 E. John Carpenter Freeway - Irving, TX

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$63,600.00 - $113,000.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

14 Jan 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-422778

**About this role:**

Wells Fargo is seeking a Senior Commercial Banking Portfolio Manager to support our Middle Market banking teams in Southern CA, Arizona and Nevada. This position is responsible for credit portfolio management to meet the long-term financial objectives and risk tolerance for commercial banking clients. Serves as a key member of a client’s deal team.

**In this role, you will:**

+ Participate in performing financial research, underwriting, and structuring of highly complex private banking as well as consumer and mortgage relationships within Commercial Banking Portfolio Management functional area

+ Review and research business financial statements and tax returns that require an in-depth evaluation of multiple factors

+ Resolve moderately complex issues and lead Commercial Banking Portfolio Management team, to meet project deliverables, while leveraging solid understanding of the function, policies, procedures, and compliance requirements

+ Collaborate and consult with Commercial Banking Portfolio Management peers, colleagues, and mid level managers to resolve issues and achieve goals

+ Lead projects and teams or serve as a mentor for less experienced individuals

**Required Qualifications:**

+ 4+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Complex credit underwriting experience including advanced commercial/Middle Market credit or specialty group relationship portfolio credit

+ Experience negotiating interest rates, price, terms, and collateral requirements

+ Knowledge and understanding of commercial and specialty group banking products and services

+ Solid knowledge and understanding of commercial banking credit policy, loan servicing, risk management, and group underwriting requirements

+ Intermediate Microsoft Office (Word, Excel, and Outlook) skills

+ Strong analytical skills with high attention to detail and accuracy

+ Excellent verbal, written, and interpersonal communication skills

@RWF22

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$96,600.00 - $188,900.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

30 Jan 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-405322

**About this role:**

The Senior Business Growth Strategy Consultant, reporting to the Auto Business Execution Sr. Manager will collaborate and support a strategic partner's sales organization in driving sales effectiveness, in adherence to Wells Fargo’s policies and procedures.

The role will work closely with various business partners to evaluate strategic processes and ensure clear communication and proper execution on behalf of Wells Fargo Auto. The role will evaluate the ongoing needs of the strategic partner's sales team members including supporting ongoing training and coaching materials, in adherence to Wells Fargo's policies and procedures. This role will support and provide the appropriate guidance around sales risk related issues included but not limited Wells Fargo’s policies and procedures, Risk & Control Self-Assessments, issue management and working with Auto Controls and other key partners to ensure the proper management of risk activities. Learn more about the career areas and business divisions at wellsfargojobs.com.

**In this role, you will:**

+ Act as lead and point of contact for varied areas of focus and responsibility across the Relationship Management Strategy & Support team, for example, communications, training support, data analysis, policy & procedure updates in supporting the strategic partner sales organization.

+ Act as lead on business growth strategic initiatives and projects as assigned by Relationship Management Strategy & Support Senior Manager that may directly support or assist in implementation and optimization of efforts for growth opportunities in partnership with the strategic partner and/or internal partners.

+ Participate cross-functionally within internal workgroups on behalf of the Auto Strategic Alliances and Relationship Management organization to ensure effectiveness and impact.

+ Proactively identify areas of opportunity and propose solutions and strategies for improvement.

+ Lead support functions or operations for multiple business groups and contribute to large scale strategic initiatives.

+ Ensure efficiency, quality, cost effectiveness of solutions, and pipeline management if strategic initiatives relating to assigned operations.

+ Research moderately complex business, operational, and strategic initiatives that require analytical skills, basic knowledge of organizational strategy and understanding of the business.

+ Work independently to make recommendations for support function by providing support and leadership.

+ Assist in the planning and execution of a variety of programs and initiatives that may include risk mitigation, efficiency, and customer experience.

+ Collaborate and consult with team leaders in developing project plans, policies and procedures.

+ Serve as a primary point of contact for the strategic partner's sales team and other key partners.

+ Ensure adherence to compliance regulations and policies when collaborating with strategic partner.

The Senior Business Growth Consultant will act as a partner to various business partners to:

+ Prepare detailed reports of findings and recommend action plans to upper management as needed.

+ Support the training and development of the strategic partner's sales team for all products and services related to Wells Fargo Auto credit products to ensure adherence to Wells Fargo policies.

+ Perform joint strategy calls with the strategic partner to ensure they are in accordance with Wells Fargo Auto policy and guidelines.

+ Ensure strategic partner has thorough and up to date information about Wells Fargo Auto products and programs; and immediately notify of changes as they occur.

+ Support Wells Fargo Auto General Manager and Brand Manager as needed.

**Required Qualifications:**

+ 4+ years of Business Growth Strategy experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Indirect auto lending experience, with a bank or a captive auto lender

+ Current, extensive knowledge and use of Wells Fargo Auto's policy and procedures

+ Prior experience in a dealer-facing sales/relationship management role

+ Excellent problem-solving skills

+ Highly analytical and adept at using Microsoft Excel and PowerPoint to draw conclusions to tell the story

+ Strong strategic thinking and execution abilities

+ Ability to form a story through data analysis

+ Ability to execute in a fast paced, high demand, environment while balancing multiple priorities and deadlines

+ Strong organizational, multi-tasking, and prioritizing skills

+ Ability to work independently and self-directed, while also working cross-collaboratively

+ Ability to work and influence successfully within a matrix environment and build effective business partnerships with all levels of team members

+ Excellent verbal and written communication skills with the ability to communicate complex ideas in a concise and clear fashion, deliver effective presentations with clear storytelling

+ Experience in developing project plans and executing strategic initiatives

+ Business execution experience

+ Financial Services experience

**Job Expectations:**

+ Ability to travel up to 15% of the time

+ Selected candidate must be flexible to work all time zones or as business dictates

+ This position is not eligible for Visa sponsorship

**Posting End Date:**

13 Jan 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-424941