OverviewAbout the RoleAre you a results-driven professional with a passion for building strong business relationships? As a
Business Banker, you'll serve as the primary relationship manager for a portfolio of business clients, focusing on companies generating less than $20 million in gross sales. You'll drive growth by developing new business, managing client relationships, and delivering tailored financial solutions. This role is ideal for a seasoned banker with expertise in credit analysis, portfolio management, and business development.
What You'll Do- Drive Business Growth: Meet and exceed individual and team sales goals, including deposits, loans, and other key metrics.
- Build Relationships: Expand existing client relationships and acquire new business through referrals, networking, and targeted outreach.
- Analyze Credit: Conduct preliminary financial statement analysis and creditworthiness assessments to align with bank risk standards.
- Lead and Collaborate: Provide leadership to the sales team, develop sales strategies, and collaborate with internal partners to deliver a seamless client experience.
- Portfolio Management: Oversee client portfolios, ensuring covenant compliance, collateral monitoring, and risk management.
- Client Engagement: Maintain regular contact with top clients to identify cross-selling opportunities and deepen relationships.
- Market Expertise: Stay informed about market trends, competitors, and opportunities for business growth.
- Community Involvement: Actively participate in community organizations and events to represent the bank and fulfill CRA (Community Reinvestment Act) requirements.
Key Responsibilities- Develop and execute sales proposals and strategies to grow core deposits and loan funding.
- Structure and complete secured and unsecured business loans, ensuring compliance with bank policies.
- Conduct pre-call planning and prepare for joint client appointments with Small Business Bankers.
- Act as a client advocate, recommending financial solutions and cross-selling bank products and services.
- Evaluate business, industry, and financial risks, documenting assessments in credit approval documents.
- Participate in branch meetings, sales campaigns, and coaching sessions to support team success.
QualificationsWhat you Bring- Experience: 5-7 years of business banking experience, including 2+ years in lending and credit analysis.
- Skills: Strong business development, consulting, and relationship management skills. Proven ability to meet sales goals and maximize cross-sell opportunities.
- Knowledge: Expertise in credit structuring, financial analysis, and risk management. Credit training preferred.
- Education: Bachelor's degree in Business Administration or a related field required.
- Tech Savvy: Proficiency in Microsoft Office and CRM tools.
- Communication: Exceptional verbal, written, and presentation skills.
Education- Bachelor's Degree in Business Administration or a related field
- An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.
Special Instructions to CandidatesInterview GuidelinesTo ensure a fair interview process, the use of AI-enabled devices (e.g., AI glasses or similar technology) is not permitted during interviews.
