About this role
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.