JOB SUMMARY:
The Business Development Officer – Small Business is responsible for business development with a primary focus on small business lending while maintaining market presence in the local community. Additionally, the BDO will be a resource for the lending teams in the branches. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
• Establish a consistent business development strategy in the marketplace which includes but is not limited to:
• Call Planning and Follow-Up
• COI Retention Calls
• New Client/COI Prospecting
• Outbound Telephone Calling Efforts
• Networking Events
• Complete understanding of all financial products, target markets, and solutions with a strong emphasis on small business lending and technology.
• Maintain a Center of Influence (COI) base of community and business leaders, leveraging them to gain additional business through referrals.
• Develop and maintain partnerships with internal line of business leaders.
• Ability to source mortgage lenders throughout the state to develop new Centers of Influence.
• Aptitude to source and build new business and personal relationships.
• Manage and maintain current broker relationships and seek opportunities to deepen those relationships.
• Proactively seek continuing education opportunities to enhance business development skills.
• Complete Understanding of credit facilities including, but not limited to:
• Structuring proper terms and product based on client need, useful life, financial growth, debt consolidation, and future need.
• Strong understanding of personal financial statements and tax returns to identify credit worthiness and identifying risk potential.
• Ability to identify short and long term credit facility needs based on personal situation, plans and strategy.
• Able to balance business needs with customer requests while managing potential risk to the bank.
• Proactively seek continuing education opportunities to enhance credit skills.
• Effective navigation and negotiation of complex credit requests both internally and externally.
• Maintains product line proficiency utilizing all educational/training resources available.
• Resolves more difficult customer objections, and solves problems in a positive manner to retain the customer relationship.
• Seeks Senior/Executive management guidance on complex financial matters and responds to management direction.
• Adheres to Seacoast Bank’s Code of Conduct.
• Proactively seek continuing education opportunities to enhance business development skills.
• Create brand awareness at community, charitable and civic events and become the bank ambassador in leadership roles.
• Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation.
• Exhibits good listening skills and speaks clearly and persuasively in positive or negative situations.
• Provides sales coaching and guidance to associates in recognizing referral opportunities to other line of business partners. – senior role
• Develops trusting and cooperative working relationships with customers and associates. Contributes to a positive working environment.
• Actively participates in bank wide initiatives.
EDUCATION and/or EXPERIENCE:
• High School Diploma or equivalent required.
• College degree in a financial related discipline preferred.
• 6-8 years in business development and/or financial services experience required.
• Proficient in all small business lending products and maintain an active NMLS registration status.
• Working Business Acumen and Financial Literacy in Retail Banking.
• Demonstrate excellent communication (written and verbal) and interpersonal skills.
• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.
• Currently established within the community, where reputation and followership is in place.
• Formal credit training or certification preferred.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- High school diploma or equivalent
- 6-8 years of business development and/or financial services experience
- Proficiency in all small business lending products
- Active NMLS registration status
- Business acumen and financial literacy in retail banking
- Excellent written, verbal, and interpersonal communication skills
- PC proficiency across desktop, laptop, tablet, and smartphone devices
- Established community presence with reputation and followership
- College degree in a finance-related discipline
- Formal credit training or certification
Seacoast Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.
-
Leave & Time Off Breadth — Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
-
Retirement Support — A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
-
Wellbeing & Lifestyle Benefits — Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.
Seacoast Bank Insights
What We Do
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.
.png)
