Business Development Specialist

**Job Description** **Business Development Specialist** | ***Location:*** | Ridgeland | ***Department:*** | *Retail/Cobalt Banking* | | --- | --- | --- | --- | | ***Reports to:*** | Cobalt Banker | ***Positions Supervised****:* | n/a | | ***Employee Classification:*** | ☐ Temporary ☒ Regular Full Time ☐ Part-Time | | ***FLSA Status:*** | Salary- Exempt | | | | | | | **Position Summary:** Delivers a concierge-level banking experience to high-net-worth individuals and business owners by blending deep product knowledge with impeccable service standards, anticipating client needs, while playing a key role in providing retail banking services and products to all bank customers. Generates new business opportunities, expands customer relationships and promotes the bank's products and services. Serves as a key ambassador for the bank within the community and works to achieve growth, profitability, and customer satisfaction goals. **Essential Functions-Primary Responsibilities and Accountabilities (90%):** **Reasonable Accommodations Statement** To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily. Reasonable accommodations can be made to help enable qualified individuals with disabilities to perform the essential functions. **Essential Task Statement(s)** **Branch Credit/Ownership (80%)** - Client Experience, Service, and Prospecting - Greet, onboard, and serve clients with a polished, solution-oriented approach. - Serve as primary day-to-day contact for clients, promptly resolving inquiries while maintaining absolute confidentiality. - Develop and execute strategies to attract new consumer and commercial banking relationships. - Generate new deposit, lending, and treasury management opportunities. - Identify and pursue prospects through networking, referrals, cold calling, and community involvement. - Loan and Deposit Package Development - Collect, verify, and organize financial documentation. - Liaise with credit, underwriting, and back-office teams to ensure seamless processing and timely funding. - Track key milestones, proactively communicating status updates to clients and internal partners. - Relationship Management & Cross Team Collaboration - Partner with Cobalt Bankers, Wealth Advisory, Trust, and Business Services to deliver holistic solutions. - Maintain accurate Customer Relationship Management records, client profiles, and service plans. - Assist with marketing events, client appreciation functions, and community engagement events. - Assist in development of new business by interviewing customers, determining the financial services they desire, explaining to them their alternatives, and referring them to the appropriate staff. - Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary. - Continually safeguard the bank’s assets and security of the working environment while processing transactions accurately. All work must be performed within bank guidelines, following bank policies, procedures, and standards of performance. - Ensure bank is in compliance with federal banking regulations including, but not limited to Bank Secrecy Act, OFAC, Community Reinvestment Act, American with Disabilities Act, Right to Financial Privacy Act, Gramm-Leach-Bliley Act, the Federal Reserve’s “lettered” regulations, and Business Development Specialist roles and responsibilities relating to each act. **Customer Service (10%)** - Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully - Acknowledge and greet customers with a smile, call customer by their name, ask if they need any additional assistance, thank customer at end of every conversation - Ensure continuing development of professional relationships with management and colleagues. - Follow all bank policies and procedures - Answer and assist incoming callers with questions and requests, subseque…