Business Development Officer

Business Development OfficerHouston, Texas, United StatesPosition Overview:The Business Development Officer is responsible for developing new business, assist underwriting, structuring and the closing of loans, as well as maintaining and servicing an existing portfolio. This position builds market position by locating, developing, defining, negotiating, and closing business relationships.Essential Duties:Locates or proposes potential business deals by contacting potential partners; discovering and exploring opportunities.Aware of and reporting suspicious activity and familiar with the Banks BSA/OFAC/AML related policies and procedures and how those affect the individual employees job responsibilities.Screens potential business deals by analyzing market strategies, deal requirements, potential, and financials; evaluating options; resolving internal priorities; recommending equity investments.Closes new business deals by coordinating requirements; developing and negotiating contracts; integrating contract requirements with business operations.Protects organization's value by keeping information confidential.Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.Enhances organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.Provides applicants with information regarding the loan application process.Pre-qualifies potential applicants by analyzing financial background.Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as requiredFollows up on processing the loan by obtaining additional applicant information if necessary Maintains communications between the lender and borrowerSource, develop and assist underwrite new loan requests for new and existing customersMaximize bank profitability through appropriate pricing of new loan originations, fee income and selling of all bank products and servicesResolves any customer problems in an expeditious and tactful mannerProvide Service and Returns that exceeds the Expectations of our Customers and Shareholders Reviews and reports complaints received from customers and recommends corrective action to managementPerform other duties as assignedCompetency Requirements:To perform the job successfully, an individual should demonstrate the following competencies:Management of Time and Priority SettingListening and OrganizingCommunications ProficiencyFinancial ManagementCustomer/Client FocusProblem identification and SolutionEthicsProfessionalismDependabilityEducation; Certification and Experience Requirements:Bachelors degree in finance, business or economicsFormal credit trainingMinimum of 3 years of lending experienceProduct knowledgeFluency in the English languageBank regulation knowledgeSkills:Knowledgeable of the SBA and Commercial Lending Market and productsStrong business development and sales skillsThorough understanding of credit risk analysis, credit policies, and proceduresAbility to properly evaluate, structure, price and successfully compete for new businessStrong Communication and Presentation SkillsStrong negotiation skills; able to influence both internal and external stakeholders and prioritize Must be able to build and maintain internal and external relationships to deliver high levels of serviceDetail oriented with strong organizational skills, and ability to manage multiple tasks and priorities at once Ability to manage time and multiple commitments/projects simultaneouslyComputer Literacy