Business Development Officer

Job Title:

Business Development Officer Reports To:

President & Chief Lending Officer Department:

Lending Summary The Business Development Officer is responsible for driving the Bank's treasury and ancillary business services while actively sourcing new commercial business opportunities. This role partners closely with Commercial Lenders and Retail Managers to deepen existing relationships, generate non-interest income, and identify new client opportunities within the Bank's markets. This position combines product expertise with business development, serving as both a solutions specialist and a proactive representative of the Bank in the community. Key Responsibilities Serve as the Bank's subject matter expert on commercial treasury and payment solutions Deliver and implement services including: Merchant services (Clover and related products) Online and mobile banking platforms ACH origination services Wire transfer services Positive Pay and fraud prevention tools Remote deposit capture and merchant deposit solutions Conduct client annual audits for treasury related services. Work directly with clients to assess needs and structure appropriate solutions Support onboarding and implementation of all treasury-related services Partner with Commercial Lenders and Retail Managers on client calls and relationship development Identify cross-sell opportunities within the existing loan and deposit portfolio Conduct support visits focused on improving service utilization and client experience Serve as a primary point of contact for treasury-related client needs Actively prospect for new commercial relationships within the Bank's footprint Develop and maintain a network of referral sources, including business owners, professionals, and community leaders Identify lending opportunities and refer qualified prospects to Commercial Lenders Participate in community and business development activities to enhance the Bank's visibility Maintain a consistent calling effort with both existing and prospective clients Drive growth in non-interest income through increased adoption of treasury services Internal Coordination Work closely with Lending, Digital Banking, and IT teams to ensure successful service delivery Assist in training lenders and staff on treasury capabilities and opportunities Qualifications Bachelor's degree in Finance, Business Administration, Accounting, or a related field preferred Equivalent combination of relevant banking, treasury management, or business development experience will be considered in lieu of a degree or minimum of 3 to 5 years of experience in commercial banking, treasury management, or a related client facing financial services role Proven ability to build relationships and generate new business Sales-oriented mindset with strong communication skills Key Strengths for Success Ability to balance relationship management with active prospecting Strong networking and business development skills Practical understanding of business client needs Collaborative approach with lenders and internal teams Results-driven with a focus on both fee income and loan growth