MARKET BUSINESS DEVELOPMENT SPECIALIST at Stockman Bank in Bozeman, MT

Vision

Our people, philosophy and the way we do business have positioned Stockman Bank as Montana’s premier financial center for business leaders, agriculture operators, commercial developers and real estate owners. Our offices are locally managed and community-oriented, allowing us to best serve our customers. Our workforce is well trained and competent and our work environment encourages productivity, personal growth and job satisfaction.

Position General Responsibilities:

Responsible for extensive customer contact that includes processing customer transactions and selling additional Bank products while protecting Bank assets. It requires extensive product knowledge to support frequent customer contact in the development of new business through the servicing of requests, calling on existing customers, identifying and calling on potential customers and representing the Bank in community activities.

Education, Experience and Certification Requirements:
Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Basic Qualifications:

1. Bachelor’s degree in business, finance, or equivalent education/work experience.

2. Two-four years previous financial institution/customer service experience

3. Good interpersonal/team skills with ability to develop effective working relationships.

4. Strong commitment to providing exceptional customer service.

5. Previous personal/computer experience.

6. A valid driver’s license

Preferred:

1.Previous Bank Operations knowledge and skills.

Position Specific Responsibilities, Duties and Competencies

New Account/Sales/Service:

1. Maintain an extensive knowledge of deposits, loans and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations.

2. Sell multiple financial products and services to new and existing customers by assessing customer needs and determining which financial services best satisfy those needs. Products include all deposit products, financing options, and related service products.

3. Identify sales opportunities and cross-sell other Bank services as they arise. Refer business consistently.

4. Establish and maintain effective working relationships with market-based CSRs while identifying and referring prospective customers for new account openings and related banking services.

5. Foster collaborative relationships with eBiz Specialists, support staff, and the Small Business Banking department. Maintain a comprehensive understanding of all electronic business banking products and services, including Small Business Banking and eBiz solutions, to assist with the implementation of new services and the timely resolution of customer issues.

6. Develop an understanding of loan products and services to effectively match customer needs with lending solutions and facilitate referrals to lenders.

7. Refer potential clients to Stockman Wealth Management and Stockman Insurance.

Sales/Public Relations/New Business Development:

1. Identify prospective clients and solicit new business including borrowing and depositor relationships.

2. Thoroughly understand all Bank deposit, non-deposit and loan products with the ability to cross sell to new and existing customers.

3. Maintain knowledge of competitors’ products and prices and governmental agency programs and prices.

4. Develop, implement, and maintain an effective calling program to strengthen customer relationships, identify business opportunities, and support growth objectives.

5. Participate in community events and organizations – leverage participation to generate new business for the Bank.

6. Promote the improvement of Stockman Bank through quality customer service, knowledge of products, professionalism in conduct, and diligent work ethic.

7. Greet all customers pleasantly and make them feel welcome and comfortable.

8. Effectively handle customer questions and problems.

9. Use effective listening and observing skills to help identify and resolve customer needs.

10. Identify sales opportunities and refer business consistently to other departments.

11. Cross-sell other services whenever the opportunity arises.

12. Keep up to date on pricing and products.

13. Relay customer comments and or complaints to the Market President and/or Operations Officer immediately.

Customer Service

1. Manage relationships with new business customers throughout the onboarding process to ensure a seamless transition and positive experience with the Bank.

2. Serve as a liaison between departments including New Accounts, Loan and eBiz departments, to ensure customer needs are met in a timely manner.

3. Partner with customers and internal teams to promptly identify, troubleshoot, and resolve issues involving Small Business Banking, eBiz products, and ancillary banking services.

4. Assist new clients through the log in process and familiarize them with the functions within Small Business Banking or eBiz platforms.

Other Duties

1. Travel to branches throughout the market to support business development efforts, strengthen customer relationships, and promote business banking products and services.

2. Prepare, customize, and deliver presentations, proposals, and responses to requests for proposals (RFPs) that align business banking solutions with customer needs.

3. Collaborate with the Southwestern Montana Market President, Branch Managers, and Operations Officer on special projects, strategic initiatives, and market development activities as needed.

4. Perform additional duties and responsibilities as assigned to support departmental and organizational objectives.

Federal Regulations:

1. Maintain a working knowledge of Bank's written policies and procedures that apply to and concern this position’s area of responsibility, including general regulations such as the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and various other Federal and State regulations as they apply.

Physical and Mental Demands:

(The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

Occasionally = 0-33% of shift Frequently = 34-66% of shift Constantly = 67-100% of shift

1. Constant lifting/carrying up to 10 lbs. with frequent lifting/carrying up to 25 lbs. Constantly required to hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with needed ability for task management flexibility and to perform routine duties with attention for details. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.

2. Constantly stand, walk or sit, while requiring oral and written communications with co-workers, customers and transactions with guidance available.

3. Occasionally stoop, kneel, crouch or crawl.

4. Infrequently climb (up ladders, etc.), balance (to reach items) or drive a car.

5. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment:

(The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

1. Constantly works with others, around others, with co-workers in other departments or branches and with customers and the general public in person and via telephone. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.

2. Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and customers while hearing machines, conversations of others, music, phones etc., in a confined area.

3. Infrequently the employee works alone and also works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.

Company Functions and Expectations:

Technical Knowledge

Has the technical knowledge and analytical skills to fulfill job duties in a positive manner. Keeps abreast of new and changing developments in industry/field especially as it pertains to the individual’s position. Has the ability to analyze situation and react accordingly.

Communication

Expresses information/thoughts clearly and concisely in both written and verbal form. Keeps communication channels open with subordinates and supervisors. Responds promptly to calls or inquiries in a courteous and professional manner. Communication is effective and efficient.

Organization/Planning

Establishes priorities, sets goals and meets deadlines in an accurate and efficient manner. Organizes overall workflow and working area. Quickly identifies problems, makes timely decisions and notifies affected personnel. Plans effectively to ensure timely completion of duties.

Team Work/Professionalism

Is willing to assist others to ensure deadlines are met. Provides assistance to less experienced personnel when needed. Informs appropriate personnel of significant issues in a timely manner. Works well in group environment and with supervisor.
Models professionalism by addressing others with appropriate actions and appearance within professional boundaries.

Customer Service Culture

Employees will strive for outstanding, professional and courteous service to our customers and anyone who visits our facility.