• Lead business development activities to build and maintain a portfolio of diversified commercial clients with an annual sales range of between $2MM-$15MM• Lead all aspects of account management, credit, and operational risk • Prepare credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation • Provide full-service solutions for clients with the view to be every client’s primary financial partner • Manage sales pipeline with the goal of generating qualified opportunities and shortening the sales cycle• Utilize risk assessment skills to ensure appropriate measures are put into place and risk assessment protocols and structures are implemented • Connect and establish networks with a variety of partners and clients to develop lasting relationships • Actively refer clients to other business partners such as Cash Management, Personal Banking, and Wealth Management• Conduct a timely, holistic review of each client’s business at a minimum once per year • Proactively attend client and industry events to promote the Bank’s products and services

• Lead business development activities to build and maintain a portfolio of diversified commercial clients with average loan and deposit volumes <$2MM

Provide personal financial planning services to clients and prospects through the sale of retirement products, investment products, and other CWB offerings.Provide personal financial planning services to clients and prospects as the CWF Mutual Fund representative through the sale of mutual funds.Develop a portfolio of retail clients with a strong emphasis on a high quality portfolio and effective risk management.Analyze, prepare, recommend and approve credit requests within discretionary limit, ensuring applications exhibit quality risk assessment and analysis as well as appropriate pricing.Liaise with Business Account Managers to ensure the overall client relationship is maintained at a high level through personal banking.Assist in the preparation, monitoring and implementation of the of the annual business plan with emphasis on the retail operation.Ensure KYC (Know Your Customer) is utilized regularly for client retention and relationship building.Minimize loan delinquency and revenue loss through implementation of programs and procedures to identify and manage problem loans.Prepare new and renewal credit applications for all classes of retail lending (lines of credit, personal loans, insured and conventional mortgages, etc.)Prepare and implement weekly/monthly meetings to communicate progress of branch goals and objectives.Work closely with all staff and provide assistance as necessary for the growth and development of the Branch.Participate in activities outside of CWB to generate business and enhance CWB’s image with clients, the industry and the community.

• Provide professional, responsive, and solution-focused client service in a manner consistent with CWB’s strategy and core values• Identify, evaluate and make decisions regarding personal lending opportunities, and complete credit applications, renewals and other procedures • Build a pipeline of prospective clients through referrals, networking and outgoing calls• Conduct effective client interviews to uncover needs and opportunities • Identify referral opportunities and make referrals to other employees or business units • Negotiate structure, terms and conditions, and other deal requirements • Excellent financial background of products and services

• Negotiate interest rates with clients for mortgage renewals• Retain 70% of a 30 M book of business per month• Lead sales meetings/sales coaching• Review financial statements and apply debt servicing calculations• Entry level underwriting and credit adjudication • Handled conditional renewals regarding property tax arrears, and placement of home insurance• Create renewal agreements• Complete welcome calls to new clients• Handled customer inquiries regarding renewals, re-finance, payment changes and other general mortgage questions• Obtain client credit bureaus and examine• Handle all account inquiries

• Assist customers with product selection and queries• Resolve customer complaints• Train new staff members – product knowledge, cash register, sales• Operate cash register to itemize and total customer purchases• Manage shelf stocking and pricing activities