Work independently to develop and solicit new business from present and prospective clients to increase revenue base and overall profitability.
Work with credit analysts to analyze the credit history of applicants and determine their loan repayment capabilities.
Negotiate credit terms, such as costs, loan repayment methods and collateral specifications.
Negotiate interest rate structure to be consistent with bank policies and procedures, and to be competitive with current market rates.
Support the bank’s relationship banking culture through ongoing customer contact, quality customer service, and product knowledge.
Build relationships with other businesses and prospective customers through professional and national contacts and current customer referrals.

A Bachelor’s degree preferred, but not required.
A minimum of five (5) years of commercial lending experience in banking or financial services.
Knowledge of commercial lending experience.
Extensive working knowledge of SBA government guaranteed lending policies and procedures.
Strong relationship management and business development sales skills including ability to communicate effectively.
Knowledge of commercial banking practices, including financial statements and credit analysis.
Ability to structure loans to meet the needs of bank & borrower.
Formal credit training is preferred.

Business Development Officer – Hybrid

Key skills