Commercial Business Development Officer Jobs (NOW HIRING)

Description
Commercial Business Development Officer
DEPARTMENT: Commercial Lending
REPORTS TO: Chief Commercial Lending Officer
SUPERVISES: No
FLSA STATUS: Exempt
STATUS: Full Time, Regular
OFFICER STATUS: Yes
LOCATION: Kentucky Region (Branch-Based)
HOURS: Monday through Friday 8am - 5pm **Over-time may be required if business and staffing needs dictate.
POSITION SUMMARY: The Commercial Business Development Officer is responsible for generating new commercial banking relationships within the Kentucky market. This role is focused on proactive business development, including sourcing new commercial loan and deposit opportunities, expanding the Bank's presence, and developing long-term, profitable client relationships.
The incumbent will actively represent the Bank within the local community, establish referral networks, and partner with internal teams to deliver comprehensive banking solutions tailored to client needs. Success in this position requires strong networking ability, consultative sales skills, and a consistent focus on revenue growth and relationship development.
EDUCATION & EXPERIENCE

• Bachelor's degree in Business, Finance, or related field preferred
• Minimum 3-5 years of proven business development experience, preferably within banking or financial services
• Demonstrated success in sourcing and closing new business relationships
• Prior experience in commercial lending, treasury management, or business banking preferred

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Develop and execute a business development strategy to generate new commercial loan and deposit relationships within the Kentucky market
• Proactively identify, prospect, and pursue new business opportunities through cold calling, networking, and community engagement
• Build and maintain a strong network of referral sources including CPAs, attorneys, commercial real estate professionals, and other centers of influence
• Partner with Commercial Lenders, Treasury Management, and Retail teams to deliver full-service banking solutions
• Maintain a strong pipeline of prospects and consistently meet or exceed established production goals
• Conduct client needs assessments and present tailored financial solutions aligned with Bank products and services
• Document customer interactions and business development activities in the Bank's CRM system (e.g., nCino)
• Represent the Bank at community events, industry associations, and networking functions to enhance visibility and market presence
• Maintain ongoing communication with internal partners to align business development efforts with overall Bank strategy
• Stay informed on market conditions, competitor activity, and economic trends within the Kentucky region
• Ensure compliance with all Bank policies, procedures, and regulatory requirements, including BSA-related responsibilities
• Perform other duties as assigned

KNOWLEDGE, SKILLS AND ABILITIES

• Strong consultative sales and relationship-building skills
• Proven ability to generate new business and maintain a productive sales pipeline
• Excellent verbal and written communication skills
• Ability to work independently in a market-focused, results-driven role
• Strong organizational and time management skills with the ability to manage multiple priorities
• Working knowledge of commercial banking products, including loans, deposits, and treasury services
• Ability to analyze client needs and recommend appropriate financial solutions
• Proficiency in CRM systems and Microsoft Office applications

COMPETENCIES NECESSARY TO BE SUCCESSFUL IN THIS POSITION
CUSTOMER FOCUS
Behaves with the customer in mind. Dedicated to meeting the customer's needs and expectation. Works with the customer to understand and uncover their issues and/or needs. Interacts with customers in a courteous, professional, and knowledgeable manner. Conducts all company transactions and interactions in an honest, professional, and ethical manner. Gains customer's trust and respect by establishing and maintaining relationships. Remains composed and does not become defensive or show irritation when confronted with disgruntled customers. Cultivates a customer-focused attitude.
JOB KNOWLEDGE
Understanding and proven experience of job responsibilities. Ability to make sound decisions drawing on knowledge and experience. Capable of analyzing and resolving customer or work-related issues. Perceived by customers and co-workers as a skilled problem solver, knowledgeable, and a valuable business resource. Mentors others on how to exhibit functional knowledgeable and skills. Demonstrates initiative growing personal knowledge, while developing personal skills and leadership capability. Understanding of current bank technology and initiative in learning new bank technology.
COMMUNICATION
Effectively communicates with clients, prospects, and internal stakeholders in a professional and persuasive manner.
ACCOUNTABILITY
Follows Standard Operating Procedures (SOPs) for cash handling and manages large sums of currency with accuracy. Complies with Right to Financial Privacy Act as it relates to the position and position's responsibilities. Follows Standard Operating Procedures for Branch Security. Complies with Bank Secrecy Act as it relates to the position and position's responsibilities. Follows Standard Operating Procedures for customer transactions. Understands objectives, priorities, and critical performance measures required to meet customer and company goals. Stays abreast of own performance and manages performance to achieve expected results.
DECISION QUALITY
Demonstrates good judgement. Makes timely, effective decisions without avoidance. Makes use of analysis, wisdom, experience, and judgement. Can cope with change and shift gears comfortably. Does not become agitated when aspects of a situation are unclear and needs to be researched further or looked up to management for direction. Able to approach complex tasks by breaking it down, using logic and reasoning to make a sound fact-based decision. Can consider alternatives, weigh the cost, benefits, and risks involved for the customer and company in any decision.
SALES FOCUSED
Promotes and cross-sells bank products and services and achieves the required number of referrals. Consistently demonstrates appropriate customer on-boarding procedures. Quickly assesses prospects' potential for opportunity. Results oriented. Demonstrates the ability to adapt behavior to overcome obstacles needed to achieve expected results.
INTEGRITY
Widely trusted as a direct, honest person who can present the truth in an appropriate and helpful manner. Keeps confidences and owns up to mistakes. Consistently acts with a high degree of professionalism and ethics. Keeps commitments. Conveys credibility, trustworthiness, and good judgment when making suggestions. Genuinely concerned for people, treating everyone with dignity and respect. Always a professional, representing the company in the best possible manner in speech, dress, and conduct.
INITIATIVE
Demonstrates initiative by looking for and suggesting solutions to problems without coaxing. A self-starter continually looking for ways to improve his/her effectiveness. Proactively involves appropriate individuals to resolve issues in a timely manner. Ability to work with minimum supervision or direction. Willingness to seek out and take responsibility for additional work assignments. Resist getting stale; committed to personal and professional development; self-directed in pursuit of resources that assist continuous learning. Supports innovation and organizational improvement initiatives. Works to implement organizational change. Actively supports company's mission statement of proving shareholder value through increased profitability, quality and growth by building loyal, profitable customer relationships within the tristate. Acts as a champion for change by encouraging peers to embrace change initiative.
QUALITY/QUANITY OF WORK
Eliminates roadblocks and distractions; remains focused. Adapts priorities to changing circumstances. Produces acceptable amount of work within established time limits. Maintains a high quality of work even as quantity increases. No unnecessary, repetitious, and/or unacceptable levels of errors with work. Produces and maintains required, compliant, and accurate work. Is thorough in review of their work. Looks for ways to continually improve productivity. Adjusts workflows and prioritizes tasks.
ADHERENCE TO POLICIES & PROCEDURES
Demonstrates positive commitment to company's goals, initiatives, and policies and procedures through communication and actions. Compliant with maintaining customers, company and employee's confidential information. Uses good judgement in seeking guidance on a company policy or procedure. Honesty and integrity in handling all company, customer and employee related issues.
INTERPERSONAL RELATIONSHIPS
Ability to communicate clearly, accurately, concisely, and compelling to diverse personalities, on all levels, in both verbal and written communication. Ability to adapt communication methods based on situations and personalities. Ability to present to customers, co-workers and management with poise, authority, and clarity and to respond appropriately to questions, objections, or challenges. Strives to understand others' issues, opinions, and needs. Works to establish lasting professional relationships and earn the respect and trust of customers, co-workers and management. Resolves conflicts with others in a respectful, responsible and constructive manner. Shares thoughts, feelings, and rationale so that others can understand your position. Remains composed and does not become defensive and/or irritated when confronted with adversity. Is receptive to and implements suggestions for improvement. Demonstration of commitment to the directive of the organization by actively and positively supporting management decisions.
ADA REQUIREMENTS
Work is performed in a professional office environment. Role routinely uses standard office equipment such as computers, phones, copiers, scanners, printers, and filing cabinets. Sitting for extended periods; occasional lifting up to 25 lbs. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
EQUAL EMPLOYMENT OPPORTUNITY POLICY
First Federal Savings Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We are committed to providing equal employment opportunities to all employees and applicants for employment without regard to any protected status under federal, state, or local law.
*This job description is not intended to be all-inclusive. Employees may perform other duties as assigned. Job descriptions may be modified at any time based on business needs.