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The Fidelity Bank · 3 months ago

Senior Business Development Officer I

Greenville, SC

Full-time

Onsite

Senior Level

6+ years exp

The Fidelity Bank is committed to being the best bank in the markets it serves, focusing on effective sales and service leadership. The Senior Business Development Officer is responsible for developing and managing business banking relationships, achieving loan production and deposit growth, and ensuring quality customer service in the assigned area.

BankingFinancial Services

Responsibilities

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

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

Ensures adherence with Bank policies and procedures and regulatory guidelines

Qualification

Commercial lendingCredit underwritingFinancial analysisBusiness developmentLoan portfolio managementAnalytical skillsUnderstanding loan lawsCommunication

Required

Bachelor's degree with 6 years of experience in commercial lending, credit, and business development or an equivalent combination of education and experience

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