I'm Hiring New Clients

I'm hiring new clients! This is an unpaid job with great benefits

You will have peace of mind that I am looking out for your best interest, whether it’s for lending, accounts, credit, treasury or merchant. I'm looking for those who are looking for a Banking Relationship and not a one night stand (transactional based)

 I'm hiring clients that would like a banker that offers solutions that can benefit them, thinks outside of the box and is not a product pusher. I'm hiring clients that would like honest up front discussions, which are looking for a Banking relationship that is not transactional based and for a banker that will respond to their emails and phone calls in a timely manner.

If your current business banking relationship isn't working for you, I'm taking interviews for new clients!

Applying is free ....and includes coffee and a donut.

Although the above is light hearted, I understand the importance of a strong banking relationship and take my responsibilities of managing business relationships extremely serious.

With banks offering similar services it can get difficult to find that right relationship. I say relationship because that is how I believe it should be looked at. As a business owner you should be looking to your banker for more than just taking your deposits, and being an order taker. The term Trusted Advisor is currently being overused in the market, however that is how you should see your banker. You should feel comfortable speaking to them about your business, personal banking and business banking needs.

Your banker an extension of your business who has a team that can assist on the business and personal side and is there to make suggestions.

If a banker jumps in and tells you what they can do for you and how wonderful their bank is without finding out about you and your business that is your first warning sign. By not asking questions they are directing you to what they want and not what you need.

 Warning Signs it may be time to get a new banker or the banker is not the right fit:

• They do not ask questions about you and your business
• They keep telling you how great their bank is and continuously talk negatively of their competition
• They do not introduce you to their team
• They do not respond to your questions
• They sound like a salesman (should be looking to provide services that make your life easier, not just to increase your service cost)
• Only good thing they are offering you is interest rate

 They Should Be:

• Looking for opportunities to connect you with other business owners (not always possible)
• Introducing you to partners within Bank (e.g. Wealth Management)
• Providing you Articles about your industry or your personal interests you may find helpful
• Providing you solutions on your banking and credit needs. (e.g. Could be as simple as letting you know what the bank requires for you to get the increase in the line of credit, and making suggestions)
• Being available
• Asking questions about your business
• Bring suggestions to the ‘table’ without being asked

Choosing a banker and a bank is a big decision. Once you have narrowed down the banks and banker that fit your needs, ask yourself, “Would you mind being stuck at an airport with them?” or “Would you enjoy spending an evening out with them?” If the answer to the question is no, they may not be the right fit for you. Being comfortable and confident in your banker is equally important.


Please feel free to reach out with any questions or if you would like to apply for the position. – Currently offering Owner Occupied Commercial Real Estate Appraisal Fee Waiver (up to $5000 for Loans of $500 000 +) Promotion with FULL Relationship.
linkedin.com/in/ryanjoffe