Senior Business Development Officer (Cameron Village)
Raleigh, North Carolina, United States · On-site
Senior
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Senior Business Development Officer (Cameron Village)
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Full-time
bachelor degree
Posted 29d ago
~40 hrs/week
Responsibilities
The Senior Business Development Officer is responsible for managing business banking relationships, driving loan production, and achieving deposit growth targets. They also ensure credit quality, monitor loan portfolios, and represent the bank within the community.
Requirements
Candidates must possess a bachelor's degree and at least 6 years of experience in commercial lending, credit, and business development. Strong analytical skills, credit underwriting expertise, and knowledge of loan regulations are required.
Full job description
Why Fidelity Bank? Fidelity Bank is a community bank built on values. Our mission has been in place for over 100 years, guiding us to do what's best for our customers and to build lifelong relationships. This includes being an independent, sound, and profitable bank that businesses and families come to first - and bank with for life. Right By You is our motto. It is more than our tagline. It represents our commitment to putting the well-being of our customers and employees first. Our entire team is dedicated to standing right by you. We achieve this by investing in our people, technology, and products to build long-term value and offer financial services that align with our customers' objectives.
The Senior Business Development Officer supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. They are responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth.
Level determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank.
PRINCIPAL ACCOUNTABILITIES:
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 custom-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 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.
Ensures profitability by maintaining average loan yield objectives.
Manages a portfolio of commercial loans. Prepares credit packages for review and approval by credit partners.
Perform loan-servicing duties to ensure conformity with loan terms and conditions.
Assists with timely collection of loan delinquencies.
Manage and enhance 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.
Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building.
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.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Committed to being the best bank for our clients to bank, our Bankers to work, and our community to prosper since 1902.
Industry
Banking
Company size
201-500 employees
Founded
1902
Headquarters
Scranton, Pennsylvania
LinkedIn followers
2,948
Fidelity Bank has over 123 years of exceeding its clients' expectations with engaging and client-focused employees who listen, understand, and recommend the products and services that best suit YOU. The team of Fidelity Bankers focuses on serving as trusted financial advisors to its clients and acting as a financial partner for your family or business.
Headquartered in Northeastern Pennsylvania, Fidelity Bank has 21 branch offices throughout the Scranton/Wilkes-Barre area and the Lehigh Valley, as well as full-service Trust & Investment divisions, a dedicated Mortgage Center, a complete line of business and commercial banking products and services, and 24 hour a day, 7 day a week accessibility.
Member FDIC. Equal Housing Lender. SBA Preferred Lender.
Offices: 507 Linden St, Scranton, Pennsylvania 18503, US
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