Advisor, SBL Solutions - RJ Bank

Job Description Summary

Under general supervision and in partnership with Internal Banking Consultants, Senior Internal Banking Consultants, Banking Consultants, Financial Advisors, branch leadership, and internal lending partners, the SBL Solutions Advisor provides sales-aligned advisory support for Securities Based Lines of Credit (SBL) opportunities.

This role uses knowledge of securities-based lending, loan structure, collateral, borrower and pledgor relationships, business and trust documentation, and application requirements to help Financial Advisors and sales partners structure and advance appropriate SBL opportunities. The SBL Solutions Advisor provides deal-specific education, consultative guidance, and targeted intervention on stalled or complex SBL opportunities when the issue relates to loan structure, documentation strategy, collateral, borrower setup, or internal partner alignment.

• Provides information, consultation, and sales support to Financial Advisors, IBCs, Sr. IBCs, Banking Consultants, and branch associates regarding Securities Based Lines of Credit (SBL) options, requirements, and appropriate loan structures.
• Assists Financial Advisors and sales partners in positioning SBL solutions with clients, including helping explain product requirements, loan structure considerations, collateral requirements, application expectations, and documentation needs.
• Provides deal-specific education to branches on loan structure, application process, required paperwork, borrower and pledgor setup, business/entity considerations, trust documentation, collateral eligibility, and common items that may delay or complicate the SBL process.
• Interprets borrower information, collateral information, business documentation, trust documentation, account ownership, and related facts to help determine an appropriate loan structure and prepare the opportunity for submission or escalation.
• Partners with IBCs, Sr. IBCs, Banking Consultants, Underwriting, Operations, Product, New Accounts, Customer Accounts, Account Transfers, Collateral Monitoring, and other internal partners to clarify deal requirements, resolve structure-related issues, and support a high-quality advisor/client experience.
• Provides targeted pipeline intervention for SBL opportunities that are stalled due to loan structure, collateral issues, borrower or pledgor setup, documentation strategy, transition complexity, escalation needs, or unclear internal ownership.
• Helps identify the root cause of structure-related delays and recommends a path forward, including appropriate partner engagement, revised loan structure, additional information needed, or escalation strategy.
• Supports transition-related SBL opportunities by providing advisory guidance on SBL structure, repaper requirements, pledged account movement, collateral considerations, payoff or pledge release implications, and coordination points with internal partners.
• Communicates with branch associates and internal partners regarding compliance, risk, collateral, and documentation considerations related to SBL opportunities, while escalating matters requiring Underwriting, Operations, Legal, Compliance, or Product review.
• Partners with IBCs and Sr. IBCs to ensure consistent, high-quality support for assigned territories, branches, and advisor relationships.
• Identifies recurring advisor questions, structure-related delays, process gaps, and sales enablement needs; shares feedback with Sales leadership, Product, Operations, and other partners as appropriate.
• Performs other duties and responsibilities as assigned.

Knowledge of:

• Principles, practices, concepts, and procedures of Securities Based Lines of Credit, banking, financial markets, and related lending products.
• Loan structure considerations, collateral requirements, borrower and pledgor relationships, business/entity documentation, trust documentation, and common SBL application requirements.
• Established organizational policies, strategies, and procedures related to Raymond James Bank Securities-Based Lending and related internal partner areas.
• Sales process, branch support model, advisor/client service expectations, and methods for educating Financial Advisors and branch associates on SBL solutions.

Skilled in:

• Strategizing for high impact transitions where a cohesive plan is needed across stakeholders that include the branch office, Transitions Consultants, Loan operations, and Customer Accounts and communicating that plan to the various stakeholders
• Communicating effectively, both orally and in writing, with Financial Advisors, branch associates, sales partners, clients, and internal business partners.
• Providing consultative guidance on SBL loan structure, collateral, borrower/pledgor setup, documentation needs, and process expectations.
• Analyzing borrower, collateral, account ownership, business, and trust information to support appropriate SBL structure recommendations.
• Partnering with Underwriting, Operations, Product, IBCs, Sr. IBCs, Banking Consultants, and other internal teams to resolve structure-related issues.
• Providing a high level of client and advisor service in the spirit of Raymond James Service 1st commitment.
• Managing multiple complex sales support requests with changing priorities and deadlines.

Ability to:

• Build strong professional relationships with Financial Advisors, branch leadership, IBCs, Sr. IBCs, Banking Consultants, and internal partner teams.
• Work independently and collaboratively in a fast-paced sales and lending environment.
• Exercise sound judgment in determining when an issue is advisory, operational, underwriting-related, or compliance-related.
• Clearly explain reasons behind structure guidance, escalation recommendations, process requirements, or documentation needs.
• Maintain poise, presence, and professionalism in challenging or time-sensitive advisor/client situations.
• Distinguish targeted deal intervention from routine operational pipeline management.

High School (HS)

General Experience - 7 to 12 months

Travel

Less than 25%

Workstyle

Hybrid

The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave.  Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.

 

 

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. 
We expect our associates at all levels to:
•  Grow professionally and inspire others to do the same
•  Work with and through others to achieve desired outcomes
•  Make prompt, pragmatic choices and act with the client in mind
•  Take ownership and hold themselves and others accountable for delivering results that matter
•  Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates.  When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs. 

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