Retail Business Development Officer

Pay Range: $86,000.00 - $110,570.00

The Retail Business Development Officer is responsible for driving consumer and small business growth across multiple branches within a defined market area. This role focuses on developing new relationships, deepening existing ones, and executing strategic initiatives to increase deposits, loans, and other banking products. The position serves as a key liaison between branches and the market leadership team to ensure alignment with overall business objectives.

Education and Experience:  

• 5 years of experience in retail banking, business development, sales management, or relationship management

• Bachelor’s degree in business concentration (management, finance, marketing) or a combination of education and relevant experience  

• Community leadership affiliations (e.g., Chamber of Commerce, small business development councils) preferred 

Skills and Abilities:  

• Proven ability to generate new consumer and small business relationships. 

• Strong prospecting, networking, and pipeline management skills. 

• Ability to coach, influence, and support branch teams to achieve growth goals. 

• Ability to build trust with customers, community organizations, referral partners, and internal teams. 

• Experience developing and executing market‑level strategies. 

• Deep understanding of retail banking products (deposits, loans, digital tools, treasury services). 

• Ability to influence without direct authority across multiple branches. 

• Strong organizational and time‑management skills. 

Unique Job Characteristics and Requirements:

• Travel less than 50%
• Driver's License required
• Reliable transportation required
• Available for a variety of business development functions (business after hours, chamber events etc.) generally held outside of traditional work hours
• NMLS Certification Required

Key Responsibilities:

• 35% Business Development & Sales Growth
  • Identify and pursue new consumer and small business opportunities within the market area.
  • Develop and maintain a robust pipeline of prospects through networking, community engagement, and referral partnerships.
  • Collaborate with branch teams to execute targeted campaigns and promotions.
• 25% Relationship Management
  • Build strong relationships with local businesses, community organizations, and centers of influence.
  • Partner with branch managers and staff to ensure consistent delivery of exceptional customer experiences.
• 25% Market Strategy Execution
  • Analyze market trends and competitor activities to identify growth opportunities.
  • Support branches in achieving sales goals through coaching, training, and joint calls.
  • Coordinate with marketing teams to implement localized strategies and events.
• 10% Cross-Selling & Product Expertise
  • Promote a full suite of retail banking products including deposits, lending, treasury services, and digital solutions.
  • Educate clients on financial solutions tailored to their needs.
• 5% Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 50% of time
• Move about within or between locations
• Bend, Twist, Crouch, Squat
• Move Objects to Maximum 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary. 

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.