JOB SUMMARY:
The Business Development Officer - Small Business is responsible for business development with a primary focus on small business lending while maintaining market presence in the local community. Additionally, the BDO will be a resource for the lending teams in the branches. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Establish a consistent business development strategy in the marketplace which includes but is not limited to:
- Call Planning and Follow-Up
- COI Retention Calls
- New Client/COI Prospecting
- Outbound Telephone Calling Efforts
- Networking Events
- Complete understanding of all financial products, target markets, and solutions with a strong emphasis on small business lending and technology.
- Maintain a Center of Influence (COI) base of community and business leaders, leveraging them to gain additional business through referrals.
- Develop and maintain partnerships with internal line of business leaders.
- Ability to source mortgage lenders throughout the state to develop new Centers of Influence.
- Aptitude to source and build new business and personal relationships.
- Manage and maintain current broker relationships and seek opportunities to deepen those relationships.
- Proactively seek continuing education opportunities to enhance business development skills.
- Complete Understanding of credit facilities including, but not limited to:
- Structuring proper terms and product based on client need, useful life, financial growth, debt consolidation, and future need.
- Strong understanding of personal financial statements and tax returns to identify credit worthiness and identifying risk potential.
- Ability to identify short and long term credit facility needs based on personal situation, plans and strategy.
- Able to balance business needs with customer requests while managing potential risk to the bank.
- Proactively seek continuing education opportunities to enhance credit skills.
- Effective navigation and negotiation of complex credit requests both internally and externally.
- Maintains product line proficiency utilizing all educational/training resources available.
- Resolves more difficult customer objections, and solves problems in a positive manner to retain the customer relationship.
- Seeks Senior/Executive management guidance on complex financial matters and responds to management direction.
- Adheres to Seacoast Bank's Code of Conduct.
- Proactively seek continuing education opportunities to enhance business development skills.
- Create brand awareness at community, charitable and civic events and become the bank ambassador in leadership roles.
- Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation.
- Exhibits good listening skills and speaks clearly and persuasively in positive or negative situations.
- Provides sales coaching and guidance to associates in recognizing referral opportunities to other line of business partners. - senior role
- Develops trusting and cooperative working relationships with customers and associates. Contributes to a positive working environment.
- Actively participates in bank wide initiatives.
EDUCATION and/or EXPERIENCE:
- High School Diploma or equivalent required.
- College degree in a financial related discipline preferred.
- 6-8 years in business development and/or financial services experience required.
- Proficient in all small business lending products and maintain an active NMLS registration status.
- Working Business Acumen and Financial Literacy in Retail Banking.
- Demonstrate excellent communication (written and verbal) and interpersonal skills.
- PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.
- Currently established within the community, where reputation and followership is in place.
- Formal credit training or certification preferred.