Financial Advisor

Summary of Position

A Financial Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for managing a portfolio of existing Firm clients and development of new business through aggressive solicitation of identified qualified prospects. Through this process, become the primary financial advisor for a portfolio of clients which would include business entities, business owners, and individuals who are consistent with Pinnacle's market segmentation.

Job Duties and Responsibilities

• Provides distinctive service to clients and prospects, in person and over the telephone. Responds to client inquiries and satisfactorily resolve client issues. Supports firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
• Administers and manage client loan portfolio consistent with the Firm's credit policies while meeting the financial needs of clients.
• Provides a full array of loan products designed to meet the financing needs of clients. Includes but not limited to Working Capital Lines of Credit, Term Loans for equipment or building, Home Equity Lines of Credit, Residential Mortgages, and other miscellaneous consumer loans.
• Meets all designated Pinnacle standards for appropriate risk rating, credit soundness thresholds, and critical action items as represented in KPI reports.
• Analyze creditworthiness of a potential borrower and recommend either approval or denial of the request.
• Develops and manages business relationships with emphasis upon prudent growth and ongoing credit quality.
• Negotiates credit extensions.
• Works with clients on the structure and terms under which credit would be extended to include collateral requirements, repayment terms, pricing, and covenants required for extension of loans. Approves loans under approved authority limits.
• Ensures compliance with the Company's credit policies and regulations for all loans under his/her responsibility.
• Provides deposit products including but not limited to Demand Deposit Accounts, Money market Accounts, Savings Accounts, and CD's.
• Cross-sells all appropriate financial products including but not limited to Depository Accounts, Treasury management, and Investment Products.
• Optimizes/recommends appropriate tailored solutions to client needs and provide various services designed to assist client in management of overall financial planning.
• Manages small investment portfolios for clients and be conversant about investment and ready to refer to brokerages business to the Investment department.
• Solicits new personal and business banking relationships.
• Proactively solicits new business relationships through prospects and referral requests and pursue personal banking relationships of assigned Board of Directors and requesting referrals from Board members.
• Develop and maintain product knowledge of all loan and depository products designed for small business and affluent individual markets, as well as personal knowledge of market.
• Further expands knowledge to add value to client with regard to Investment needs and estate planning.
• Participates in developmental and training activities as well as projects as directed by management.
• May manage the annual performance management and merit processes for direct and indirect reports. Coaches and develops team members and builds a work environment where team members are engaged and feel a positive sense of achievement about their role in the firm.
• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
• Meets all the client's financial needs, both business and personal, and refers clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
• Assists other team members as needed to ensure delivery of distinctive service.
• Performs other related duties as required.

The information on this 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.

Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.

Minimum Education:

• High school diploma or equivalent.

Minimum Experience:

• Minimum of 10 years' experience in banking/financial services.

Certifications or Licenses:

• This position may require successful registration and issuance of a unique identification number from the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE ACT). Registration must be accomplished within an established timeframe after initial employment and includes a nationwide finger print check.
• Certain assignments within this role may require Series 7 licensing. The requirement is based on the specific duties and responsibilities assigned to the position.

Required Knowledge, Skills, & Abilities:

• Strong knowledge base relative to consumer and commercial loan documents.
• Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.
• Knowledge of federal and state banking regulations and compliance requirements.
• Broad knowledge of bank products and services.
• Excellent verbal and written communication skills.
• Solid leadership and interpersonal skills.
• Strong analytical skills and attention to detail.
• Ability to work independently and prioritize daily tasks.
• Excellent client service skills.
• Tact and diplomacy in dealing with both clients and team members.

Preferred Education, Experience, Certifications, Knowledge, Skills, & Abilities:

• College degree is preferred -- finance or business-related field.