Community Development Officer

FCN Bank Community Development Officer

Department: Retail Bank

Job Status: Full-time

FLSA Status: Exempt

Reports to
: VP, Retail Branch Director

Positions Supervised: YES

Amount of Travel Required
:
Local travel for customer visits, business development, and community activities

Work Schedule: Monday–Saturday, based on branch scheduling, with occasional evening and weekend events

Position Summary

The Community Development Officer leads the assigned FCN Bank branch and builds consumer and business relationships within its market area. This position develops employees, oversees branch operations, delivers exceptional customer service, and supports deposit, lending and revenue growth through proactive outreach, consultative conversations, and community involvement.

As a visible representative of FCN Bank, the Community Development Officer develops relationships with businesses, individuals, municipalities, nonprofit organizations, and community leaders. The officer identifies customer needs and works with Bank specialists to provide appropriate financial solutions. Success requires balancing business development with employee leadership, operational accountability, and sound risk management.

Essential Duties and Responsibilities

Business Development and Community Relationships

• Develop and execute an annual business development plan for the assigned branch and market, with clear goals for customer outreach, relationship growth, and referrals.
• Identify and pursue new consumer and business relationships through prospecting, appointments, referrals, community involvement, and market calling activities.
• Maintain an accurate record of prospects, customer opportunities, referrals, follow-up activities, and results using Bank-approved systems.
• Review existing customer relationships to understand financial needs, strengthen retention, and recommend appropriate products and services.
• Build relationships with businesses, professionals, municipalities, schools, nonprofit organizations, community leaders, and centers of influence.
• Identify opportunities for deposits, business accounts, treasury management, merchant services, consumer loans, mortgages, commercial loans, and other banking services.
• Collaborate with Bank specialists to coordinate customer solutions and ensure timely follow-up.
• Represent FCN Bank at civic, charitable, community, and business events, including occasional activities outside normal business hours.
• Review progress toward established goals with the Retail Branch Director and adjust activities as needed.

Lending and Customer Service

• Originate and process consumer installment and home equity loans within assigned authority and Bank procedures.
• Identify small business lending opportunities and originate or refer them according to assigned authority, working with Commercial Lending Officers as appropriate.
• Work with underwriting and credit personnel to obtain complete and accurate information and documentation.
• Follow Bank lending policies and applicable lending requirements.
• Help resolve customer concerns promptly and professionally, involving appropriate Bank personnel when needed.

Branch Leadership and Employee Development

• Establish clear expectations for customer service, relationship growth, operational performance, compliance, teamwork, and accountability.
• Coach employees to identify customer needs, conduct effective relationship conversations, and make qualified referrals.
• Provide regular feedback, recognition, training, and development opportunities.
• Complete timely performance evaluations and address performance concerns in coordination with Human Resources and retail leadership.
• Participate in recruiting, hiring, onboarding, scheduling, and cross-training assigned employees.
• Maintain appropriate staffing and management coverage during business development activities outside the branch.
• Promote a respectful workplace that reflects FCN Bank’s core values of Family, Community Minded, Ownership, and Excellence.

Branch Operations, Risk Management, and Compliance

• Oversee daily branch operations, work assignments, opening and closing procedures, and required internal controls.
• Perform or oversee assigned cash counts, branch audits, and controls involving teller drawers, the ATM, vault, and other branch assets.
• Monitor employee adherence to security, safety, fraud prevention, information security, and privacy procedures.
• Ensure employees follow applicable Bank policies and banking requirements, including customer identification and Bank Secrecy…