What are the responsibilities and job description for the Commercial Business Development Officer position at First Community National Bank?
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
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