Deposits Business Development Officer

JCW Group; California (MO); On-site; USD 80,000 - 105,000; Full time

Job summary

A financial services company in Missouri is seeking a Mid-Senior level professional to expand its loan and deposit portfolios. The successful candidate will identify business opportunities and manage client relationships. Key responsibilities include sourcing new loans, maintaining client portfolios, and performing credit analyses. A Bachelor's degree in Finance or Business and 5+ years in commercial business development is required. This full-time position offers a competitive salary in a dynamic banking environment.

Qualifications

• 5+ years in commercial lending or deposits business development.
• Proven history of meeting production goals.

Responsibilities

• Source new loan and deposit opportunities through cold calling, networking, and referrals.
• Maintain and expand existing client portfolios.
• Perform initial credit assessments and determine risk profiles.
• Structure loan terms and conditions.
• Attend community events to generate leads.
• Ensure adherence to bank policies and regulations.

Skills

Financial statement analysis

SBA and conventional loan structuring

Core banking software proficiency

CRM proficiency

Education

Bachelor’s degree in Finance or Business

Job description

Base Pay Range

$80,000.00/yr - $105,000.00/yr

Role Summary

Identify and acquire new commercial and retail business to increase loan and deposit portfolios. Build relationships with prospects and centers of influence to achieve revenue targets.

Key Responsibilities

• Sales & Acquisition: Source new loan and deposit opportunities through cold calling, networking, and referrals.
• Relationship Management: Maintain and expand existing client portfolios. Cross-sell treasury management and bank services.
• Credit Analysis: Gather financial statements and tax returns. Perform initial credit assessments and determine risk profiles.
• Structuring & Negotiation: Structure loan terms and conditions. Present proposals to credit committees for approval.
• Market Activity: Attend community events and industry conferences to generate leads and visibility.
• Compliance: Ensure all activities adhere to bank policies, legal regulations, and documentation standards.

Technical Skills

• Financial statement analysis (cash flow, debt service coverage)
• SBA and conventional loan structuring
• Core banking software and CRM proficiency

Required Experience

• Bachelor’s degree in Finance, Business, or equivalent.
• 5+ years in commercial lending or deposits business development.
• Proven history of meeting production goals.

Seniority level: Mid-Senior level

Employment type: Full-time

Job function: Finance

Industries: Banking