POSITION DESCRIPTION:

Production driven leader who excels at relationship building and developing partnerships to produce results conducive of the team's success. Building strong prospect lists through outbound calling, community involvement, and networking is a key element. Focusing on uncovering customer needs and issues and providing solutions and services to fit their needs. Exemplary communication and collaboration with key departments to enhance customer experience. The Business Development Officer is responsible for helping the bank obtain better brand recognition and financial growth. They coordinate with company executives and sales & marketing professionals to review current market trends to propose new business ideas that can improve revenue margins.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Develop and implement plans for business and revenue growth within existing and new markets
• Setting goals and developing plans for business and revenue growth.
• Researching, planning, and implementing new target market initiatives.
• Researching prospective accounts in target markets.
• Pursuing leads and moving them through the sales cycle.
• Make calls to promote and create new business and create strong relationships with new and existing customers.
• Prospect, cold call, network and develop new business opportunities (with an emphasis on small businesses, commercial deposit customers and public entities) and create strong relationships with new and existing customers.
• Work with departments to provide a frictionless experience for customers from inception to close. Refer to appropriate business lines as needed.
• Develop new sales markets
• Build relationships in existing and new markets to establish pipeline
• Evaluate deposit product needs of customer as requested.
• Perform to market goals and create/operate within budget. Established goals will be centered around deposit growth, loan growth, fee income, and business line referrals and business revenue.
• Drives relationship management by identifying cross-sell opportunities and introducing our Product partners to help provide a full banking proposition. Expected to do joint calling and prospecting with Product partners depending on the situation.
• Respond to credit, telephone, and online inquiries regarding services of the bank.
• Be well versed in the Bank products, services, and procedures to ensure relationship building opportunities.
• Be the face of the Bank in the community by participating in community activities to increase the bank's visibility and to enhance new business opportunities. Coordinate marketing efforts with the Marketing Department.
• Handle customer complaints and counsel customers as needed.
• Activate new work procedures and systems to accomplish planning and bank development objectives more efficiently.
• Maintain and stay current on security policies and procedures.
• Provide notary service.
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.
• Plans and oversees new marketing initiatives and community involvement events and campaigns with insight on industry trends, best practices, and product's needs.

Requirements

SUPERVISORY RESPONSIBILITIES

This role has no supervisory responsibilities

PERFORMANCE FACTORS: To perform the job successfully, an individual should demonstrate the following competencies:

SALES:

Individual has a good understanding of the Bank's products and services. Effectively matches customer's need by referring and/or selling products and services to enhance the customer's relationship consistent with the Bank's Sales Culture.

Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism.

COMMUNICATION SKILLS:

Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank's telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback.

JOB KNOWLEDGE:

Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures.

PROBLEM SOLVING:

The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.

ATTENTION TO DETAIL:

The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.

ETHICS:

The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE- be specific on years of experience/ skills and whether required or preferred.

• Bachelor's Degree and 4-7 years of related experience and/or training or equivalent combination of education and experience
• Able to read credit reports and financial data
• Proven skills in outbound calling and prospecting along with community involvement

KNOWLEDGE AND SKILLS-

• Ability to manage multiple complex priorities and competing agendas without express authority over delivery teams
• Ability to interpret and apply policies and regulations
• Analytical aptitude with an emphasis on investigative, methodical critical questioning and logical thinking; a data-driven decision maker
• High level of interpersonal skills to interact with leaders at multiple levels and facilitate team interactions
• Strong written and oral communication skills. Must be able to effectively communicate with Operations staff, bank clients, auditors, and outside vendors
• Collaboration - Ability to work across departments as needed.
• Strong attention to detail
• Excellent organizational and time management skills
• Capable of handling customer and teammate contact situations tactfully and professionally
• Ability to think critically and interpret a variety of instructions
• Strong written and oral communication skills. Must be able to effectively communicate with Operations staff, bank clients, auditors, and outside vendors
• Collaboration - Ability to work across departments as needed.
• Strong attention to detail
• Excellent organizational and time management skills
• Capable of handling customer and teammate contact situations tactfully and professionally
• Ability to think critically and interpret a variety of instructions
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public.