AVP Business Development (West)

Service 1st Federal Credit Union

Danville, Pennsylvania

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JOB DETAILS

SKILLS

Analysis Skills, Business Administration, Business Development, Business Growth, Business Loans, Business Plan, Business Services, Business Solutions, Business Support, Cable Modem, Commercial Loans, Computer Terminals, Conferences, Credit Union, Customer Relations, Customer Service Tools, Customer Support/Service, Data Analysis, Driver's License, Employment Law, Executive Assistant Skills , Federal Laws and Regulations, Field Sales, Financial Services, Insurance Sales, Interpersonal Skills, Interviewing Skills, Loan Approval, Loan Processing, Loan Regulations, Loan Review, Loan Underwriting, Loans, Market Trend Analysis, Marketing Strategy, Microsoft Excel, Microsoft Outlook, Microsoft Word, Needs Assessment, Organizational Skills, PC (Personal Computer) Systems, Past Due Accounts, Performance Metrics, Presentation/Verbal Skills, Problem Solving Skills, Quality Metrics, Real Estate Sales, Record Keeping, Regulations, Sales, Sales Analysis, Sales Management, Sales Prospecting, Set Goals, State Laws and Regulations, Strategic Planning, Typing, Underwriting, Work From Home, Writing Skills

LOCATION

Danville, Pennsylvania

POSTED

2 days ago

Full-time, Exempt
This position will support the West Branch territory (Shamokin Dam, Sunbury, Montandon, Lewisburg, Mifflinburg, Muncy, & Loyalsock)

Role:

Responsible for the development, execution, and monitoring of the credit unions business development plan as it relates to member business loan, deposit and account services. Expands market penetration, member business relationships and generates new business relationships. Individually contributes to the achievement of the credit union's loan, deposit and membership growth and member satisfaction goals. This position is eligible for a hybrid work from home schedule, as set and approved by the positions manager in accordance with the credit union's Remote Work policy.

Essential Functions & Responsibilities:

60%

Implements a business development calling program that includes contacting existing business members to maintain and expand account relationships and contacting prospective members to develop new business.

15%

Serve as a subject matter expert as it relates to the credit union’s business deposit accounts and services. Provide input to the CLO and CXO on the development, growth and soundness of these products.

15%

Takes applications for loan business. Reviews member financial condition and assesses the member’s ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.

E	5%	Maintains high product knowledge by learning new selling techniques, new products and market trends and competitor products and services.
N	5%	Performs other job-related duties as assigned.

Performance Measurements:

1.	Under the direction of the VP Member Business Services and in conjunction with the Member Business Loan Officer, develop strategic goals and targets for new and existing business development and member business relationships.

Promote credit union membership and services to businesses; including loans, deposit accounts and account services. Travel on a regular basis to visit potential and existing member business clients, branch locations and Select Employee Groups (SEGs) to present account services and solutions and ensure level of service meets credit union's quality service standards.

3.	Works in coordination with market managers and other credit union employees as needed to support business development, expand SEG relationships and support member business service growth across all credit union market areas.

Plan and develop credit union activities and events to further business development efforts. Maintain involvement in community efforts. Be a visible presence in the local communities. Promote and represent the credit union through active participation in business, community, and chamber of commerce events as well as charitable organization programs and events throughout the credit union’s market areas.

Suggest and participate in the development of marketing strategies for use in promoting the credit union’s member business lending, deposit and account services to area businesses. Identify and recommend ways to continuously enhance the credit union’s reputation and image as it relates to member business products and services.

6.	Assist the CLO, CXO and VP Member Business Services in the creation and implementation of new member business solutions.

7.	Provide informed, prompt, professional and accurate service and support to all members, potential members, business contacts and associates.

Within approved loan authority, interview loan applicants, determine collateral needs and payment plans, review and analyze loan request, decision or recommend the request and continue with processing the loan through to satisfaction and closing. Disburse funds, and mail notices following federal and Credit Union laws, regulations and policies. Communicate frequently with credit union lending support employees and CUSO staff.

9.	Assist in the collection of member business account delinquencies as required.

10.	Assist the VP Lending in maintaining an active and on-going call program for realtors in our market area. Includes market managers in call program when appropriate.

11.	Maintain a detailed record of member business contacts made and keep Outlook calendar up to date with appointments, meetings, work locations, and off site commitments. Communicating regularly with supervisor on status and results of business development activities.

12.	Assists in the business development plans and preparations when opening new branches.

13.	Serves as a back up to the Member Business Loan Officer as needed.

14.	Maintain an excellent knowledge of financial products and services offered by the credit union and be knowledgeable of competitors' services in order to provide the best service and support possible to members and potential members.

15.

Maintain a thorough knowledge of state and federal laws related to commercial lending, including any federal or state reporting requirements. Maintain a current understanding of lending regulations and comply with policies and regulations including, but not limited to, Bank Secrecy Act, Truth in Lending, Fair Lending, RESPA, HMDA, MLA, FCRA, SAF E Act and Collections laws. Knowledge of the Small Business Administration lending procedures is required.

16.	Maintain eligibility and continuing education requirements necessary to obtain and maintain various licenses required to underwrite/analyze loans, sell insurance or any other Credit Union related product.

17.	Participate in training and professional development activities to acquire and maintain standards established by the credit union. This could include attending conferences, seminars and workshops as directed by management.

Knowledge and Skills:

Experience

A minimum of 3 years’ experience in business development, outside sales, or account management. Experience in the financial services industry strongly preferred.

Education

(1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Interpersonal Skills

Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills

- A valid state driver's license is required.
- Requires the ability to work a schedule with flexible hours, including nights and weekend hours as deemed necessary by management.
- Strong planning and organizational skills, including the ability to manage multiple ongoing assignments.
- Excellent written and oral communication, interpersonal, and facilitation skills to effectively deal with credit union management, employees, current and potential members, community organizations and vendors.
- Must be able to operate a personal computer and possess a functional knowledge of Microsoft Word and Excel software.
- Strong analytical and problem-solving skills.

Physical Requirements

- Requires exertion of up to 10 pounds of force to occasionally move objects.
- Involves sitting most of the time. Walking and standing are required occasionally.
- Repetitive finger movements to perform typing or otherwise working with paper files and documents.
- Requires close visual acuity to prepare and analyze data and figures; view a computer terminal; read; assess work quality and operate a motor vehicle.

Work Environment

- Not substantially exposed to adverse environmental conditions.
- State of Pennsylvania residency required.
- Position is eligible for a hybrid work from home schedule, as set and approved by the positions manager in accordance with the credit union's Remote Work policy. In order to be approved to work from home, a cable modem or fiber internet connection is required which must have minimum service speed of 10M download / 2M upload, with less than 1% packet loss. Internet service and modem are the employee's expense.

Service 1st Federal Credit Union provides equal opportunity without regard to sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by applicable law in employment and in our business activities.

About the Company

Service 1st Federal Credit Union

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