Business Development Officer

Business Development Officer – Atlanta, GA

Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution's values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth.

Responsibilities include but are not limited to the following:

• Identifies and develop new business opportunities through networking, research, and outreach
• Builds and maintains strong relationships with clients, partners, stakeholders, etc.
• Develops and implements new profitable business banking solutions to existing and prospective customers through calling efforts, marketing, and referrals
• Acts as primary contact for business development and sales related customers
• Administers business development and sales programs activities
• Reviews documentation to properly close loans
• Prepares loan documents, reports, and composes letters
• Prepares and delivers presentations, proposals, and business pitches
• Manages all aspects of relationships to ensure maximum credit quality and customer's satisfaction
• Handles problem loans efficiently
• Keeps abreast of changing business and economic developments which impact the loan portfolio and its profitability
• Ensures loans are renewed timely and delinquent loans are brought current
• Achieves all established production and credit quality goals, objectives, and expectations including funded loan production goals
• Ensures compliance with all bank policies, procedures, regulations, and laws
• Maintains a high level of visibility in the community and represents the CTB brand at events, meetings, associations, and organizations
• Delivers excellent quality customer service consistently and adheres to department response turn around standards
• Participates in bank and community related activities
• Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand
• Leads initiatives, adds value, supports the Bank's vision, core values, business principles, goals, and objectives

Qualifications, Skills, and Abilities:

• Minimum three years experience of business development experience including commercial and consumer deals
• Bachelor's degree in finance, accounting, business administration, economics, or related field
• Excellent prospecting and new business development skills and the ability to develop strategic partnerships
• Ability to analyze loan requests to determine credibility and probability
• Must have strong knowledge of surrounding communities and markets
• Good understanding and ability to comply with all bank and commercial lending's policies, procedures, industry trends, regulations, and laws
• Strong loan portfolio management skills with hands on working knowledge and experience in loan structuring, credit analysis and commercial loan underwriting
• Clear understanding of different types of financial statements and credit reports
• Exceptional business development, sales, and customer retention skills are essential
• Sound leadership and credit decision skills
• Excellent quality customer service skills with a genuine interests in serving customers
• Ambitious, analytical, self- motivated individual with a strong work ethic, positive attitude and ability to work both independently and as part of team
• Great presentation, interpersonal relationship building, managerial, organization, and leadership skills are essential
• Excellent time management skills and the ability to analyze work flow and set priorities to meet deadlines
• Multi-task oriented with the ability to maintain a proactive approach to assignments
• Ability to use sound judgment with strong decision making and reasoning abilities
• Strong persuasive and negotiation skills
• Demonstrated ability to work in a fast pace, high volume environment and must be adaptable to change
• Demonstrate ability to maintain composure and convey a positive and professional image at all times
• Ability to handle and maintain confidential information and matters
• Ability to relate to internal and external customers with a high degree of professionalism
• Possesses a high level of integrity
• Ability to facilitate successful business meetings
• Demonstrated professional appearance, telephone etiquette, and demeanor are essential
• Aggressive with the ability to take initiative and get the job done
• Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively
• Proficient in Microsoft Word, Excel, PowerPoint, Outlook, and the Internet
• Must be flexible, resourceful, and energetic with competitive winning spirit that understands the team concept
• Ability to work through situations and find win-win solutions
• Ability to travel as needed

Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following:

Medical, Dental, Vision, and Prescription 401(k) Retirement Plan Life Insurance Accidental Death & Dismemberment Short&/Long Term Disability Flexible Spending Plan Paid Time Off, Vacation, and Holiday Pay Tuition Reimbursement Employer Assisted Housing Program Wellness Program/Wholesale Reimbursement Program Employee Assistant Referral Services (EAP) Legal Shield Program Group Cancer & Accident Insurance Programs Worker's Compensation Program Free Banking Services Awards and Recognition Programs Training & Development Programs and much more

EEO/AA