SVP/Private Banking Officer bei Bell Bank

The SVP/Private Banking Officer is a senior-level relationship manager responsible for delivering customized financial solutions to high-net-worth individuals, executives, families, and business owners. This role is pivotal in driving the growth and retention of the Private Banking portfolio through strategic client engagement, cross-functional collaboration, and expert financial guidance. The SVP serves as a trusted advisor, leveraging deep product knowledge and market insight to meet complex client needs across banking, lending, and wealth management. This position requires a high level of professionalism, discretion, and leadership, with a strong emphasis on client experience, business development, and operational excellence.

Responsibilities

Client Relationship Management & Retention

• Serve as the primary advisor for a portfolio of high-net-worth clients, delivering personalized banking and lending solutions.
• Evaluate loan requests by interviewing applicants, analyzing financial data, and determining creditworthiness. Structure credit terms including repayment methods, collateral, pricing, and risk mitigation strategies.
• Understand client needs and goals through detailed financial assessments and tailor strategies accordingly. Introduce new products and services aligned with client objectives and market trends.
• Resolve client issues by gathering details, researching data, and delivering timely, satisfactory solutions.
• Retain and grow existing deposit and loan relationships through proactive service and financial guidance. Conduct regular portfolio reviews and proactive communication to keep clients informed and engaged.
• Provide mentorship and support to junior Private Banking Officers to ensure seamless client service.

Business Development & Market Engagement

• Maintain expert-level knowledge of all bank consumer and commercial products and services.
• Solicit new banking relationships (business/personal deposits and loans) through prospecting, referrals, and external partnerships.
• Refer clients to internal partners (Commercial, Wealth Management, Mortgage, Insurance, Treasury) to deliver holistic financial solutions.
• Participate in professional associations and community activities to enhance visibility and support personal/professional development.
• Monitor competitor offerings and recommend enhancements to Bell Bank’s product suite.

Operational Excellence & Compliance

• Process daily overdrafts and monitor technical exception reports to maintain operational integrity.
• Ensure all client documentation is accurate, complete, and compliant with internal and regulatory requirements.
• Prepare customized client correspondence and presentation materials to support sales and relationship efforts.
• Contribute to the development of departmental best practices, service models, and training initiatives.
• Support operational efficiency and service excellence across the Private Banking team.

Bell Bank Culture, Policy and Accountability Standards:

• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations

• Bachelor’s degree in finance, business administration, or related field; or equivalent experience.
• Professional certifications such as CFA, CFP or similar, are preferred.
• 10 or more years of experience in private banking, commercial lending, or financial services.
• Local travel to meet with clients and applicants is required.

Skills and Knowledge

• Ability to establish trust and maintain strong client relationships through personalized service.
• Understanding of banking products, credit, investments, and financial planning to advise clients effectively.
• Ability to adjust quickly to changing client needs, market conditions, and internal processes.
• Strong cross-selling ability and understanding of financial solutions.
• Excellent verbal and written communication skills.
• Ability to resolve client issues efficiently and professionally.
• Understanding of banking regulations, compliance standards, and documentation requirements.
• Attention to detail in managing daily operational tasks and exception reports.