Business Development Officer IV

ESSENTIAL FUNCTIONS

• PRODUCTION
• Engages in business development activities and solicitation of new business prospects; participates in community affairs, business and service organizations, including public speaking;
• Instills and maintains a positive sales environment through education of the Bank’s products and services;
• Makes regular customer visits to discuss needs and outlines appropriate Bank services to resolve problems as necessary;
• Contributes to the overall profitability of the Bank by managing both pricing of loans and deposits in order to meet NIM goals;
• Aids in the implementation of cost controls and income generation activities, including non-interest income to ensure compliance with budget.
• PORTFOLIO MANAGEMENT
• Manages a loan portfolio, keeping up to date on Large Loan Servicing standards, covenants, borrowing bases, loan maturities, renewals, collection of exceptions, and collection efforts;
• Investigates and follows up on significant changes in the status of existing customers; takes action if review results in a change status for the loan and/or relationship including, but not limited to, risk rating changes and line limit changes;
• Collaborates with the Credit Analyst for the review of annual financial statements, covenants, and borrowing base monitoring. If the review results in a change in status for the loan and/or relationship, including but not limited to risk rating changes or line limit changes, they will ensure the changes are reflected in the core system.
• Reviews post loan closing of booked loans to ensure accuracy of customer data, billing/payments, and loan details in the system of record.
• COLLABORATION
• Collaborates with the Credit Department regarding loan structure, underwriting and approvals;
• BDO IV provides coaching and mentoring to other officers in resolving inquiries, providing support, and commercial lending;
• Develops a professional collaborative relationship fostering open communication with the Branch Manager and Retail Market/Area Retail Manager for their assigned branch(es).
• In partnership with the Retail Market/Area Retail Manager, provides coaching and mentoring to Branch staff regarding customer/community presentations, calling efforts, and deposit and loan growth.
• Works with the Branch staff to process, solve and answer complex customer transactions, problems or inquiries.
• SERVICE EXCELLENCE
• Adheres to our Service Excellence standards and promotes their implementation with peers and with branch associates they support;
• Reinforces the application of superior customer service along with customers and employees.

GENERAL QUALIFICATIONS

• Knowledge & Experience:
• Bachelor’s degree in business, finance, or related field or equivalent work experience;
• Intermediate knowledge of Bank operations, products and services; related state and federal laws and regulations, and other Bank operational policies and procedures;
• Excellent organizational and time management skills – ability to work with minimal supervision;
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs;
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel.
• Cognitive Requirements:
• Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations’ environment;
• Must be able to pay close attention to detail and be able to work as a member of a team;
• Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations’ situations;
• Must have the ability to exercise discretion as well as appropriate judgments when necessary.