Commercial Business Development Officer

Originates, underwrites and closes secured and unsecured commercial loans in accordance with established lending objectives, policies and procedures;

establishes, maintains, and develops long-term commercial banking relationships including deposit and cash management services.

KEY COMPETENCIES :

• Effective leadership
• Business development
• Relationship building
• Compliance and regulatory focused

ESSENTIAL FUNCTIONS :

• Sitting or standing for extended periods of time
• Ability to move around the various work locations freely
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components
• Ability to converse and exchange information with all levels of staff within organization
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile, and / or bus

RESPONSIBILITIES :

• Meet or exceed volume / production and profitability goals for the assigned market by business development and managing lending staff within the assigned market
• Direct and oversee the production activities of commercial lenders in the market
• Region's representative of FCNB Bank with public relations outreach in the market
• Leads implementation of FCNB Bank's marketing program to support market strategies and initiatives
• Maintains acceptable loan delinquency and charge-off levels for the market
• Business development of loans and FCNB Bank's products and services referrals to other lines of business
• Serves on various FCNB Bank committees
• Ensures objectives of the FCNB Bank's CRA program are supported within assigned market
• Provides excellent customer service to existing and potential clients and internal stakeholders
• Responsible for staff development, coaching, performance management, recognition, and disciplinary actions
• Ability to manage a budget, analyze and interpret business financial statements
• Based on the location within a market, may be required to promote / discus consumer lending products with customers with compliance of the SAFE Act guidelines and United procedures
• Based on the location within a market, may be responsible for maintaining an active NMLS license by completing all training and annual renewal requirements as required

QUALIFICATIONS :

• Bachelor's degree in business, finance, or comparable experience
• Minimum of 10 years of working experience in the commercial lending area required, preferably within the banking industry
• Extensive knowledge of commercial lending procedures and regulations required
• Knowledge of basic accounting concepts and business financial statements necessary
• Excellent demonstrated positive leadership skills required
• Demonstrated ability to manage staff to include coaching and development
• Excellent written and verbal skills are essential
• Proficiency of Microsoft Office Products
• High level of professionalism and integrity
• Ability to work hours to meet customer needs or even schedules is required
• Ability to travel up to 10%
• Ability to possess an NMLS license or obtain NMLS license within a reasonable timeframe if position requires
• Ability to complete the ongoing NMLS training and ensure SAFE Act compliance as required
30+ days ago