Business Development Officer

This position provides a development opportunity for bankers new to Commercial, Agricultural, and Construction Lending, and offers a role for experienced lenders managing a smaller or less complex loan portfolio. Primary Duties Accountable for the management of outstanding credit relationships with existing loan customers of the Bank and proactively seek out and establish new borrowing relationships. Identify and align new and existing loan customers with additional Enterprise products and services in accordance with the Loan Policy, procedures and compliance requirements of the Bank. Manage a funded loan portfolio between $5,000,000 and $20,000,000 comprised of less complex credits and Commercial, Agriculture, or Construction loans. Handle all aspects of outstanding Business, Construction, and Agricultural credits for existing loan customers, monitoring customer financial strength and performance through research, analysis and inspection. Gather, prepare and analyse supporting financial and credit documentation required by Bank policy and procedures; ensure timely receipt of financial statements, tax returns and fulfillment of tickler items. Develop and execute required loan and collateral documentation according to loan type and structure; close and document funding instructions for new and renewed loan transactions. Review and decide overdraft payments for existing customers; oversee loan payment performance and collection activities for outstanding credit. Utilise a Customer Relationship Management (CRM) tool to retain existing customers, actively prospect and develop new lending relationships, and align borrowers with other Business and Consumer Banking products. Proactively prospect and refer Trust, Brokerage, and Insurance products and services to new and existing Loan customers. Work with support resources including the Credit Analyst Team, Business Banking Assistant and Credit Lending Officer to structure, analyse and document loan packages and credit recommendations. Gather and apply current economic environment information—including farming, ranching, commodity prices and the business community—to the underwriting process. Secondary Duties Act in a leadership capacity, providing relevant expertise and counsel; actively support work and employee development activities of the Bank. Collaborate as a team with departmental counterparts on planning and implementing assigned projects and products. Participate on various committees and project teams as deemed appropriate by management. Attend and actively participate in organisation‑specific training, job‑specific training and Quality Service programmes. Adhere to all applicable BankWest Policies and Procedures. Community involvement is strongly encouraged. Other duties as assigned. Requirements A Bachelor's Degree in a related field (applicable experience and/or related certifications may be considered in lieu of a degree). Bank trainee or intern experience. At least 2 years of experience in a related field. Work experience or family background in Agriculture, Ranching, or Small Business. Knowledge & Special Skills Excellent credit and financial analytical skills. Ability to work independently or dependently, under pressure, meet deadlines and adjust work schedules to complete responsibilities. Ability to organise and handle multiple responsibilities while delivering quality external and internal Customer Service. Strong interpersonal skills to ensure effective communication with external and internal customers. Knowledge of regulatory requirements pertinent to the performance of specified duties. Knowledge of banking terminology and procedures. Ability to skillfully use a variety of application software, learn computer programmes and comprehend programme output. Adhere to Federal Privacy Standards and follow BankWest requirements for electronic communication and social engineering standards. Participation in increasing BankWest’s presence in markets (all employees are expected to participate directly or indirectly in this activity). BankWest is a "Sales Organization" and all employees are expected to participate directly or indirectly with increasing BankWest’s presence in their markets as appropriate. #J-18808-Ljbffr