Business Development Officer II

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Full Time Management Dunn, NC, US

SUMMARY:

The position of Business Development Officer II (BDO II) is responsible for developing new deposit, loan and treasury services for a specific target market; providing a superior level of customer relations and service; and ensuring compliance with Bank policies and procedures. The position of BDO II is responsible for attaining established individual, department and Bank goals through active participation in sales management and managing an active pipeline and customer prospects, collection activities, and expense controls as it relates to local budgets.

BDO II represents incumbents whoare actively growing and building a client contact list, generating loan growth and new clients with minimal support in regard to prospecting and the base knowledge of commercial lending. They are still in the learning and growth stage of their development in regard to complex loan structures, difficult customer servicing situations, and negotiations. Learning may occur in formal training or in collaboration with an experienced Account Officer (BDO, Area Executive, or Regional Executive) who will provide mentorship.

ESSENTIAL FUNCTIONS:

SERVICE EXCELLENCE

• Adheres to all levels of our Service Excellence standards and promotes their implementation amongst their peers; in partnership with the Branch they support, leads Service Excellence huddles from time to time.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. For example: responds to inquiries, taking ownership for the outcome, engaging manager if escalation is needed, and working with the appropriate department or person to resolve the issues, exhibiting the necessary follow through with customers and/or internal employees to ensure a timely resolution.

PRODUCTION

• Engages in business development activities and solicitation of new business prospects; participates in community affairs, business and service organizations, including public speaking; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services; meets with customers to discuss needs and outline appropriate Bank services and to resolve problems as necessary.
• Contributes to the overall profitability of the Bank by managing both pricing in both loans and deposits in order to meet profitability/NIM goals; assisting in the implementation of cost controls and income generation including non-interest income to ensure compliance with budget. This effort will require collaboration with the Branch team.
• Consistently applies sound decision-making techniques pertaining to inquiries, approvals, and requests as they apply to existing policies and procedures, keeping within assigned approval limits.
• Participates in various internal committees assigned by management.
• With knowledge and accuracy will use the Bank’s operating systems to perform their job duties.

PORTFOLIO MANAGEMENT

• Manages their loan portfolio, keeping up to date on Large Loan Servicing standards, covenants, borrowing bases, loan maturities, renewals, collection of exceptions, and monitors collection efforts. Investigates and follows up on significant changes in the status of existing customers; takes action if the review results in a change status for the loan and/or relationship including, but not limited to risk rating changes and line limit changes.
• Collaborates with the Credit Analyst for the review of annual financial statements,…