SBA Business Development Officer

Business Development Officer – Small BusinessJOB SUMMARY: The Business Development Officer – Small Business is responsible for business development with a primary focus on small business lending while maintaining market presence in the local community. Additionally, the BDO will be a resource for the lending teams in the branches. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.ESSENTIAL DUTIES AND RESPONSIBILITIES:Establish a consistent business development strategy in the marketplace which includes but is not limited to: Call Planning and Follow-Up, COI Retention Calls, New Client/COI Prospecting, Outbound Telephone Calling Efforts, Networking EventsComplete understanding of all financial products, target markets, and solutions with a strong emphasis on small business lending and technology.Maintain a Center of Influence (COI) base of community and business leaders, leveraging them to gain additional business through referrals.Develop and maintain partnerships with internal line of business leaders.Ability to source mortgage lenders throughout the state to develop new Centers of Influence.Aptitude to source and build new business and personal relationships.Manage and maintain current broker relationships and seek opportunities to deepen those relationships.Proactively seek continuing education opportunities to enhance business development skills.Complete understanding of credit facilities including, but not limited to: structuring proper terms and product based on client need, useful life, financial growth, debt consolidation, and future need.Strong understanding of personal financial statements and tax returns to identify credit worthiness and identifying risk potential.Ability to identify short and long term credit facility needs based on personal situation, plans and strategy.Able to balance business needs with customer requests while managing potential risk to the bank.Proactively seek continuing education opportunities to enhance credit skills.Effective navigation and negotiation of complex credit requests both internally and externally.Maintains product line proficiency utilizing all educational/training resources available.Resolves more difficult customer objections, and solves problems in a positive manner to retain the customer relationship.Seeks Senior/Executive management guidance on complex financial matters and responds to management direction.Adheres to Seacoast Bank's Code of Conduct.Create brand awareness at community, charitable and civic events and become the bank ambassador in leadership roles.Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation.Exhibits good listening skills and speaks clearly and persuasively in positive or negative situations.Provides sales coaching and guidance to associates in recognizing referral opportunities to other line of business partners.Develops trusting and cooperative working relationships with customers and associates. Contributes to a positive working environment.Actively participates in bank wide initiatives.EDUCATION and/or EXPERIENCE: High School Diploma or equivalent required. College degree in a financial related discipline preferred. 6-8 years in business development and/or financial services experience required. Proficient in all small business lending products and maintain an active NMLS registration status. Working Business Acumen and Financial Literacy in Retail Banking. Demonstrate excellent communication (written and verbal) and interpersonal skills. PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software. Currently established within the community, where reputation and followership is in place. Formal credit training or certification preferred.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.