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About the Role

The Senior Banking team is seeking a high potential candidate to partner with Schwab Wealth Advisory partners and their end clients by providing Banking and Credit solutions. This role encompasses internal marketing, client meetings, and coordinating with clients' external professionals. The Senior Banker will also act as the primary contact for assisting loan inquiries, loans in process, and problem resolution.

Responsibilities

Advise Schwab Wealth Advisory clients on appropriate Bank lending, deposit and trust solutions including products, pricing and recommended deal structures.
Gather information from clients using internal and external resources for the completion of the application process.
Partner with Schwab teammates in assigned geographies to discuss Schwab Wealth Advisory client base and identify lending, deposit and trust opportunities and recommend opportunity action plans.
Establish a reputation of execution and excellence.
Gain confidence of Schwab Partners to fully develop lending, deposit and trust opportunities with their Schwab Wealth Advisory clients.
Develop and present creative and intelligent lending, deposit and trust solutions; consult partners, such as credit specialists, as needed.
Take ownership of banking client experience from initial contact to loan funding or account establishment, working closely with partners and third-party providers to ensure a smooth process for Schwab Wealth Advisory clients.
Work with and communicate effectively with Schwab partners.
Responsible for the early identification of complex transaction structures.
Maintain full awareness of status for all Schwab Wealth Advisory banking applications in pipeline and function as primary Schwab Bank liaison for all parties involved in bank account opening process.
Address all issues surfaced during loan process and assist with underwriting requests for additional information as needed.

Requirements

Minimum of 5 years of successful lending consultation and business development experience in Financial Services or working closely with HNW/UHNW clients.
Expert knowledge of credit products including residential mortgage products, home equity lines of credit, and securities-based loans.
Familiarity with bank deposit and cash management products and brokerage margin product as well as business banking requirements and structures.
Proven ability to analyze cash flow and balance sheet of HNW/UHNW retail brokerage clients and develop client’s personal financial statement.
General understanding of estate planning techniques, entity structuring, and tax strategies.
Strong skills in diplomacy, discretion, and professionalism.
Ability to efficiently, tactfully & professionally screen, manage and/or decline transactions while maintaining partner and HNW/UHNW client relationships.
Possess excellent oral and written communication skills.
Exceptional presentation skills.
Strong relationship building capabilities with Schwab teammates, HNW/UHNW clients, and matrix partners.
Strong collaboration skills in a team-oriented environment.
Attention to detail and the ability to multi-task and work efficiently, independently and with teams, to meet tight deadlines with minimal supervision.
Strong command of mortgage underwriting guidelines.
Completion of formal credit training strongly preferred.
Banking background with experience working with HNW/UHNW brokerage clients strongly preferred.
Undergraduate or advanced degree preferred.
NMLS license required (To be obtained within 90 days of employment)
Series 7 and 63/65 or 66 licenses required.

Skills

Lending consultation
Business development
Credit products
Residential mortgage products
Home equity lines of credit
Securities-based loans
Bank deposit products
Cash management products
Brokerage margin product
Business banking
Cash flow analysis
Balance sheet analysis
Client financial statement development
Estate planning techniques
Entity structuring
Tax strategies
Diplomacy
Discretion
Professionalism
Oral communication
Written communication
Presentation skills
Relationship building
Collaboration
Teamwork
Attention to detail
Multi-tasking
Efficient work
Independent work
Team work
Meeting deadlines
Minimal supervision
Mortgage underwriting
Credit training

Experience Level

Minimum of 5 years

Education Level

Undergraduate or advanced degree preferred

About the Company

We believe that, when done right, investing liberates people to create their own destiny.
We are driven by our purpose to champion every client’s goals with passion and integrity.
We respect and appreciate the diversity of our employees, our clients, and the communities we serve.
We challenge conventions strategically to create value for our clients, our firm and the world.
We live and bring to life the concept of ‘own your tomorrow’ every day.
We champion our employee strengths, guide their development, and invest in their long-term success.
We hire optimistic, results-oriented, curious, innovative, and adaptable people with the desire to help our clients and one another succeed.
Charles Schwab Bank (CSB) has proven successful in serving the lending needs of Schwab’s core Retail consumer clients which is an important business line that we will continue to grow.
We now have a unique opportunity to expand our lending capabilities by targeting Schwab’s high net worth (HNW) clients and registered investment advisory (RIA) firms.
To seize this growth opportunity, we will build a separate, parallel lending business model leveraging Charles Schwab Premier Bank (CSPB).
HNW clients and RIA firms have complex credit profiles and higher service level expectations requiring a different approach with specialized expertise to serve their needs.