Business Development Officer

Scope of Job

This purpose of this position is to provide a development opportunity for Bankers new to Commercial, Agricultural, and Construction Lending. This position may also provide an opportunity for experienced lenders managing a smaller or less complex loan portfolio.

• Accountable for the management of a funded loan portfolio size between $5,000,000 and $20,000,000; comprised of less complex credits and Commercial, Agriculture, or Construction loans.
• Responsible to handle all aspects of outstanding Business, Construction, and Agricultural credits for existing loan customers, including monitoring of customer financial strength and performance through research, analysis, and inspection.
• Gather, prepare, and analyze supporting financial and credit documentation as required by Bank Policy and procedures.
• Responsible for the timely receipt of financial statements, tax returns, and fulfillment of tickler items.
• Responsible for the proper development and execution of required loan and collateral documentation according to loan type and structure.
• Accountable to close and document funding instructions for new and renewed loan transactions.
• Responsible to review and decide overdraft payments for existing customers.
• Accountable for the loan payment performance and collection activities for outstanding credit of existing customers.
• Utilize Customer Relationship Management (CRM) tools to retain existing customers; actively prospect and develop new lending relationships. Align borrowers with other Business and Consumer Banking products and services.
• Proactively prospect and refer other Trust, Brokerage, and Insurance products and services to new and existing Loan customers.
• Work with support resources including the Credit Analyst Team, Business Banking Assistant, and Credit Lending Officer to structure, analyze, and document loan packages and credit recommendations.
• Actively gather and apply information related to the current economic environment including farming, ranching, commodity prices, and business community; incorporating that knowledge into the underwriting process.

• Act in a leadership capacity, providing relevant expertise and counsel; actively supporting work and employee development activities of the Bank.
• Work as a team with departmental counterparts on planning and implementing assigned projects and products.
• Participate on various committees and project teams as deemed appropriate by management.
• Attend, actively participate in organization, job-specific training offered, and Quality Service programs.
• Adhere to all applicable Policies and Procedures of Bank West organization.
• Community involvement is strongly encouraged.
• Other duties as assigned.

• Education:
  
  A Bachelor's Degree in a related field.
• Applicable experience and/or related certifications may be considered in lieu of degree.
• Experience:
  
  Bank trainee or intern experience.
• 2 years' experience in related field.
• Work experience or family background in Agriculture, Ranching, or Small Business.

• Excellent credit/financial analytical skills.
• Ability to work dependently and/or independently, under pressure, meet deadlines, and adjust work schedules as needed to complete job responsibilities.
• Ability to organize and handle multiple responsibilities while delivering quality external and/or internal Customer Service.
• Strong interpersonal skills to ensure effective communication with external and/or internal customers.
• Knowledge or ability to learn regulatory requirements pertinent to performance of specified duties in job description.
• Knowledge of banking terminology and procedures.
• Ability to skillfully use a variety of application software, learn computer programs, and comprehend the program output.
• Adhere to Federal Privacy Standards in addition to following Bank West requirements for electronic communication and Social Engineering standards.
• Bank West is a "Sales Organization" and all employees are expected to participate directly or indirectly with increasing Bank West's presence in their markets as appropriate.