Business Development Officer

F&M Bank•Salisbury, NC

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About The Position

Sales and relationship-focused role responsible for identifying and acquiring new business clients and maintaining strong client relationships. Meet with prospects to understand their financial needs and promote the Bank’s business services products and other financial needs. Partner with internal Relationship Banking Managers/Coordinators, Commercial Lenders and Community Banking Officers. Driving growth by gathering new deposits and increasing Bank revenue.

Requirements

Proven track record of prospecting new business and exceptional sales skills
Experience in training and motivating others in sales or has the capacity to be able to do so
Experience in Business Services product sales and fulfillment.
Establishes trust, credibility and rapport with prospects/customers, resulting in increased sales opportunities.
Quickly identifies and forges relationships with key prospective decision makers and influencers.
Strong communication, negotiation, and presentation skills
Excellent client service and interpersonal skills to build and maintain strong client relationships
Must be able to assess and analyze financial conditions of customers and the industry trends.
Demonstrates a cordial professional demeanor at all times.
Ability to analyze market opportunities, develop pursuit strategies, and understand client needs
Good knowledge of banking products, services and market trends
Promote and adhere to the Bank's mission, vision, and core values.
Must not pose a direct threat or significant risk of substantial harm to the safety or health of self or others. Must be committed to a high standard of safety and be willing to comply with all safety laws and all of the Bank’s safety policies and rules.
Must maintain regular and acceptable attendance at such level as is determined in the employer’s sole discretion. Must be regularly available and willing to work at such hours per day or week as the employer determines are necessary or desirable to meet its business needs. Must be available and willing to work hours beyond regularly scheduled hours per day or week if it determined that such is necessary to meet business needs. Must be available and willing to work such weekends and holidays if the employer determines that it is necessary to do so in order to meet its business needs.
Must be available and willing to travel to such locations and with such frequency as the employer determines is necessary or desirable to meet its business needs.
Be knowledgeable and comply with all regulations, policies and procedures relating to the Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, Privacy Act and how to recognize and report suspicious activity. Failure to comply with all components of these Acts could result in personal, civil money penalties and/or criminal prosecution.

Responsibilities

Identify and pursue new business opportunities to achieve deposit, lending and investment targets.
Promote retail and commercial banking products (deposits, loans, business services products and investments).
Cultivate a strong and trusting relationship with Client Services, Commercial and FMIS partners.
Work closely with Business Services Specialist(s) to ensure successful business services set ups and understand technical resolve within Business Banno.
Cross-sell Bank products and services to existing clients.
Understand the client’s industry, business environment and strategies to tailor the best solution for them.
Understand our competition’s capabilities and gaps to better position F&M Bank’s solutions.
Develop strategic sales plans with Commercial Lenders and Client Services Staff to target specific prospects to promote teamwork and strengthen sales acumen.
Cultivating strong, long-term relationships with business owners and internal teams.
Conduct market research to identify potential clients and emerging trends.
Aggressively seek out our niche, identify products and services of most value to them and develop appropriate sales strategies to build the relationship.
Represent the Bank at events and community outreach programs.
Be a subject matter expert on Business Services trends, new product development and technology.
Network with individuals, businesses, and community organizations to generate leads.
Respond to and resolve client issues and complaints relating to client access, transactions, and actions.
Based upon referral, call on business clients to present ACH, Remote Deposit Capture, Positive Pay, Smart Pay services; RDC, Smart Pay Express and Biller Direct; Wire Cash Management Services, Intra-FI products; ICS and CDARS; and Merchant Services. Obtain signed agreements and train clients on products.
Complete Risk Review for clients requesting ACH, Online Wires, and Remote Deposit Capture.
Provide technical support to business clients as needed.
Assist with completion of annual reviews for business clients using Remote Deposit Capture, Online Wires and ACH.
Perform various additional duties as may be assigned by the Sr. Business Services Officer.