Retail Business Development Officer

This is a fully remote position, open to applicants in Tennessee.

📋 Description

• Provide guidance to both consumer and commercial clients regarding their banking deposit requirements.

• Execute business development outreach for commercial customers and potential clients.

• Support current clients and prospects with their consumer lending requirements.

• Promote partnerships within the Retail line of business and direct clients to appropriate departments.

• Collaborate with the branch on business development initiatives and customer engagement activities within the local market.

• Reach out to current and potential clients to explain banking services and assist with any banking-related inquiries.

• Conduct interviews with loan applicants, gathering and analyzing financial information to evaluate creditworthiness and the merits of loan applications.

• Review loan applications that exceed assigned lending authority with the Branch Manager or Regional Manager.

• Make decisions to approve or reject loans within set limits and facilitate loan closings.

• Assist the Branch Manager and/or Regional Manager in managing sales, reviewing sales activities, and conducting sales meetings.

• Implement sales strategies to attract, nurture, and maintain customer relationships.

• Guide the team in meeting sales targets through effective action planning.

• Represent the Bank in business development activities, networking events, and community engagements.

• Conduct outbound calls and schedule external meetings to enhance the deposit portfolio.

• Promote the advantages of banking with Ameris Bank and related services to customers.

• Refer customers to Commercial Lending, Mortgage, Credit Cards, Merchant Services, and Investment Services as needed.

• Achieve predefined monthly sales targets.

• Lead initiatives for change management.

• Conduct research, analyze data, identify viable solutions, draw conclusions, present findings, and make recommendations while considering risk and both short- and long-term implications.

• Deliver interactive service, foster relationships, and address customer needs effectively.

• Identify underlying causes of customer service challenges.

• Adhere to ethical sales practices consistent with Ameris’ principles of Integrity and Honesty.

⛳️ Requirements

• Minimum of 8 years of experience in retail banking is required.

• At least 6 years of experience in business development is necessary.

• A minimum of 3 years in supervisory, leadership, or mentoring roles within banking is required.

• Experience in branch operations is essential.

• Proven experience in cross-selling is required.

• Background in sales management and business development is necessary.

• Experience with consumer credit is required.

• A Bachelor’s degree or an equivalent combination of education and relevant experience is mandatory.

• Capability to develop, coach, mentor, and retain a high-performing team.

• Ability to deliver a high level of service, build relationships, and address identified customer needs.

• Highly motivated team player, skilled in developing and maintaining collaborative relationships.

• Strong written and verbal communication skills are essential.

• Knowledge of branch operations is necessary.

• Familiarity with banking policies and procedures is required.

🏝️ Benefits

• Medical, Dental, and Vision Insurance.

• Life Insurance at no extra cost for employees.

• Coverage for Accidental Death & Dismemberment.

• Long-Term Disability Coverage.

• Paid Sick Leave and Vacation Leave.

• 11 Paid Holidays.

• Volunteer/Service Day.

• Employee Stock Purchase Plan.

• 401(k) Retirement Plan with Ameris Bank matching 50% of the first 8% of contributions.

• Flexible Spending Accounts.

• Health Savings Account.

• Health Reimbursement Arrangement.

• Supplemental Life & Other Insurance Plans.

• Identity Theft Protection.

• Pet Insurance.

• Legal Insurance.

• Employee Assistance Program.

• Employee Advocacy Program.

• Discounts for Entertainment through Tickets at Work for Ameris Bank Employees.

• AT&T Employee Discount.

• Wellness Discounts for Medical Premiums and Other Rewards.

• Employee Referral Incentive.

• Education Assistance.

• Employee Resource Groups.

• Free Interest Checking.

• Free Safe Deposit Box.

• Free Money Orders, Travelers’ Checks, and Cashier Checks.

• Discount on Mortgage Origination Fees.

• Free Online Banking and Unlimited Free Online Bill Payment.

• Special Banking Perks for Employees.