Senior Business Development Officer I

Principal Accountabilities

• Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls.
• Interview potential loan customers and process loan requests.
• Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships.
• Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager.
• Develop partnership with Branch Manager and associates to cultivate a positive referral process.
• Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization.
• Meet production and performance goals.

Credit Quality/Loan Yield/Portfolio Management

• Thoroughly analyzes credit risks, including the purpose of the credit, source of repayment, collateral, financial history, terms and conditions.
• Analyze loan applications, financial statements, and base credit decisions on Bank Loan Policy.
• Ensure ongoing credit quality by monitoring loans, managing past dues and watchlist loans.
• Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building.
• Maintains average loan yield objectives.
• Manages a portfolio of commercial loans.
• Prepares credit packages for review and approval by credit partners.
• Performs loan-servicing duties to ensure conformity with loan terms and conditions.
• Aids in timely collection of loan delinquencies.
• Manages and enhances the growth of a quality loan portfolio with a focus on business lending.

Operational Risk/Compliance

• Ensures adherence with Bank policies and procedures and regulatory guidelines.

Basic Qualifications

Bachelor’s degree with 6 years of experience in commercial lending, credit, and business development or an equivalent combination of education and experience.

Additional Qualifications

• Possess in-depth knowledge of commercial lending, including the ability to evaluate cash flow and collateral.
• Advanced financial analysis, strong credit underwriting, and analytical skills.
• Ability to handle confidential and proprietary information.
• Excellent communication skills, oral and written.
• Thorough understanding of loan laws and regulations.