Why Fidelity Bank? Fidelity Bank is a community bank built on values. Our mission has been in place for over 100 years, guiding us to do what's best for our customers and to build lifelong relationships. This includes being an independent, sound, and profitable bank that businesses and families come to first - and bank with for life. Right By You is our motto. It is more than our tagline. It represents our commitment to putting the well-being of our customers and employees first. Our entire team is dedicated to standing right by you. We achieve this by investing in our people, technology, and products to build long-term value and offer financial services that align with our customers' objectives. The Senior Business Development Officer supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. They are responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth. Level determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank.

PRINCIPAL ACCOUNTABILITIES

Business Development and Quality Customer Service:

Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls.

Interview potential loan custom-Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls.

Interview potential loan customers and process loan requests.

Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships.

Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager.

Develop partnership with Branch Manager and associates to cultivate a positive referral process.

Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization.

Meet production and performance goals process loan requests.

Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships.

Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager.

Develop partnership with Branch Manager and associates to cultivate a positive referral process.

Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization.

Meet production and performance goals.

Credit Quality/Loan Yield/Portfolio Management:

Thoroughly analyzes credit risks, including the purpose of the credit, source of repayment, collateral, financial history, terms and conditions. Analyze loan applications, financial statements, and base credit decisions on Bank Loan Policy. Ensure ongoing credit quality by monitoring loans, managing past dues and watchlist loans.

Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building.

Ensures profitability by maintaining average loan yield objectives.

Manages a portfolio of commercial loans. Prepares credit packages for review and approval by credit partners. Perform loan-servicing duties to ensure conformity with loan terms and conditions. Assists with timely collection of loan delinquencies. Manage and enhance the growth of a quality loan portfolio with a focus on business lending.

Operational Risk/Compliance:

Ensures adherence with Bank policies and procedures and regulatory guidelines. Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building.

BASIC QUALIFICATIONS

Bachelors degree with 6 years of experience in commercial lending, credit, and business development or an equivalent combination of education and experience.

ADDITIONAL QUALIFICATIONS

Possess in-depth knowledge of commercial lending, including the ability to evaluate cash flow and collateral.

Advanced financial analysis, strong credit underwriting, and analytical skills.

Ability to handle confidential and proprietary information.

Excellent communication skills, oral and written.

Thorough understanding of loan laws and regulations. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

Affirmative Action/Equal Opportunity Employer