Business Development Officer

This position provides a development opportunity for bankers new to Commercial, Agricultural, and Construction Lending, and offers a role for experienced lenders managing a smaller or less complex loan portfolio.

• Accountable for the management of outstanding credit relationships with existing loan customers of the Bank and proactively seek out and establish new borrowing relationships.
• Identify and align new and existing loan customers with additional Enterprise products and services in accordance with the Loan Policy, procedures and compliance requirements of the Bank.
• Manage a funded loan portfolio between $5,000,000 and $20,000,000 comprised of less complex credits and Commercial, Agriculture, or Construction loans.
• Handle all aspects of outstanding Business, Construction, and Agricultural credits for existing loan customers, monitoring customer financial strength and performance through research, analysis and inspection.
• Gather, prepare and analyse supporting financial and credit documentation required by Bank policy and procedures; ensure timely receipt of financial statements, tax returns and fulfillment of tickler items.
• Develop and execute required loan and collateral documentation according to loan type and structure; close and document funding instructions for new and renewed loan transactions.
• Review and decide overdraft payments for existing customers; oversee loan payment performance and collection activities for outstanding credit.
• Utilise a Customer Relationship Management (CRM) tool to retain existing customers, actively prospect and develop new lending relationships, and align borrowers with other Business and Consumer Banking products.
• Proactively prospect and refer 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, analyse and document loan packages and credit recommendations.
• Gather and apply current economic environment information—including farming, ranching, commodity prices and the business community—to the underwriting process.

• Act in a leadership capacity, providing relevant expertise and counsel; actively support work and employee development activities of the Bank.
• Collaborate 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 and actively participate in organisation‑specific training, job‑specific training and Quality Service programmes.
• Adhere to all applicable Bank West Policies and Procedures.
• Community involvement is strongly encouraged.
• Other duties as assigned.

• A Bachelor's Degree in a related field (applicable experience and/or related certifications may be considered in lieu of a degree).
• Bank trainee or intern experience.
• At least 2 years of experience in a related field.
• Work experience or family background in Agriculture, Ranching, or Small Business.

• Excellent credit and financial analytical skills.
• Ability to work independently or dependently, under pressure, meet deadlines and adjust work schedules to complete responsibilities.
• Ability to organise and handle multiple responsibilities while delivering quality external and internal Customer Service.
• Strong interpersonal skills to ensure effective communication with external and internal customers.
• Knowledge of regulatory requirements pertinent to the performance of specified duties.
• Knowledge of banking terminology and procedures.
• Ability to skillfully use a variety of application software, learn computer programmes and comprehend programme output.
• Adhere to Federal Privacy Standards and follow Bank West requirements for electronic communication and social engineering standards.
• Participation in increasing Bank West’s presence in markets (all employees are expected to participate directly or indirectly in this activity).
• 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.