Business Development Ofcr

Overview
The Business Development Officer is a member of the Branch Network and is assigned to a specific branch location. This position is responsible for managing, maintaining, and developing relationships with current and prospective customers. This position is the customer’s primary point of contact. This position will acquire and maintain a portfolio of deposit accounts and loans. Another key role will be to cross sell related banking services to all clients.

Duties and Responsibilities

Partner with the Branch Manager at their location to work as a team to achieve all production goals set by management while providing quality service.

Develops and maintains relationships with current and prospective customers.

Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business.

Meets with existing customers and prospects to discuss business needs and recommend ways in which the bank can help provide business solutions to all their financial needs.

Understanding of commercial cash management products and functions, and presenting as options to customers.

Creates a business development under the direction of their supervisor.

Coordinates with various departments (Trust, Investments, Branches, Operations, etc.) in the servicing of routine transactions and in solving the special customers.

Develops and recommends appropriate interest rate, terms, and structure of loans consistent with Bank guidelines and risk/return evaluation.

Analyze financial statements to make financing proposals.

Provides evaluation of potential borrower loan requests and makes loan recommendations to Senior Lender and/or Loan Committee.

Monitors and analyzes relationships to determine profitability and makes recommendation regarding accounts to be further developed or eliminated.

Monitors portfolio for quality, risk, and adherence to policy and works with appropriate staff to resolve issues.

Works with borrowing customers to procure updated financial information on an ongoing basis.

Communicates lending decisions to the customer.

Responsible for expanding prospect base by consistently networking in the community.

Services as a representative in various civic and community functions to further enhance the Banks image and develop additional business.

General Management Competencies

Behaves according to sound ethical and legal standards.

Demonstrates consistency between what is said and what is done.

Must be respectful at all times when working with others.

Builds and maintains productive relationships throughout the Bank.

Provides timely information to relevant employees (up, down, and across the organization).

Listens to what others are saying.

Maintains composure in frustrating situations.

Adapts to and helps others adapt to change.

Demonstrates flexibility in working with others.

Demonstrates professionalism in appearance and actions.

Maintains a clean and organized workspace.

Professional Excellence

Demonstrates a consistently high level of professional judgment in making sound and accurate decisions.

Gathers and analyzes information skillfully to make good decisions.

High level of written and verbal communication skills.

Identifies and resolves problems in a timely manner; communicates issues and outcomes to appropriate individuals.

Develops strong professional relationships with customers and coworkers.

Maintains independence and objectivity in carrying out job responsibilities.

Adheres to confidentiality policy, code of ethics and follows all policies and procedures relative to Consumer Compliance laws and regulations and best practice recommendations.

Job Knowledge

General business and banking knowledge.

Knowledge of the Bank’s products and services.

Knowledge of the Bank’s lending policies and procedures.

Sales and Q Star Customer Service training and knowledge.

Qualifications

Required

Verbal Communication: Advanced

Professionalism: Advanced

Experience: 2 years working experience in banking or financial industry.

Preferred

Interpersonal: Intermediate

Functional Expert: Considered a thought leader on a subject.

Dedicated: Devoted to a task or purpose with loyalty or integrity.

Motivations

Self-Starter: Inspired to perform without outside help.

Entrepreneurial Spirit: Inspired to perform well by the ability to drive new ventures within the business.

Previous lending experience strongly preferred.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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