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GNB Bank · 5 days ago

Business Development Officer

Story City, IA 52048

Full-time

Onsite

Mid Level

3+ years exp

GNB Bank is seeking a Business Development Officer to utilize value-added sales strategies to manage and grow a portfolio of agricultural and commercial loans. The role involves building referral networks, servicing existing customers, and promoting the bank's products and services within the community.

Banking

Responsibilities

Develops and manages loan accounts within established lending requirements

Interviews loan applicants. Collects and analyzes financial and related data to determine general creditworthiness of the prospect and merits of the specific loan request

Establishes, and negotiates where necessary, terms under which credit will be extended, including costs, repayment methods and schedule, and collateral requirements

Monitors current creditworthiness of existing customers and loans. Collects and analyzes information through direct inspection of the applicant's business and/or collateral, review of financial reports, personal interview and other means. Follows departmental procedures to report and/or collect problem accounts

Develops material for and makes loan presentations to the officers' and directors' loan committees

Provides key business development for the bank

Requires up to 50% of time outside the office calling on potential or existing customers to develop new business and increase or retain existing business

Cross-serves the financial institution’s products and services

Promotes a favorable image of the financial institution in all business activities within the community and markets served by the organization

Establish and build referral networks among influencers and other sources to strengthen financial relationships with customers and provide tools and information they can use to enhance their enterprises

Undertakes special projects relating to departmental or other organizational services as assigned by Regional Manager or Director of Lending

Qualification

Ag lending experienceCommercial lending experienceFinancial analysisCustomer serviceInterpersonal skillsLeadership aptitudeCommunicationAdaptabilityStrategic thinking

Required

College Degree with advanced specialized knowledge in finance and/or agriculture business

3+ years Ag or commercial lending experience required including knowledge of FSA, USDA and SBA programs

Must understand the role of value-added sales and customer service in a banking environment

Demonstrate the ability to hold confidential information and display honesty and high ethical standards

Possess the ability (both written and oral) to express thoughts and ideas effectively; actively listen to others

Must thrive in working in a positive, team-oriented environment, contributing to the ongoing success of the organization

Must have the ability to notice, interpret and anticipate others' concerns and feelings, and communicate this awareness empathetically to others

Have the ability to develop, maintain, and strengthen partnerships with others inside and outside the organization

Have the ability to analyze the organization's competitive position by considering market and industry trends, existing and potential customers (internal and external), and strengths and weaknesses as compared to competitors

Company

GNB Bank

GNB Bank proudly serves families, businesses and farmers in Grundy Center, Conrad, Marshalltown, Ackley, Geneva, Iowa Falls, Manchester and Story City, IA.

Founded in 1981

Grundy Center, Iowa, USA

51-200 employees