Senior Business Development Officer IV

Principal Accountabilities

• 34% Business Development and Quality Customer Service:
  • 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 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 in order to cultivate a positive referral process.
  • Serve as an officer with at least one community organization.
  • Meet production and performance goals.
• 33% 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.
• 33% Operational Risk/Compliance:
  • Ensures adherence with Bank policies and procedures and regulatory guidelines.

Basic Qualifications

• Bachelor's degree with 10 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.