Business Banker

Business Banker

Are 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.

Qualifications

What We're Looking For

• Experience: 57 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.

Why Join Us?

• Be part of a team that values innovation, collaboration, and client success.
• Enjoy opportunities for professional growth and development.
• Make a meaningful impact by helping businesses achieve their financial goals

Education

• Bachelor's Degree in Business Administration or a related field, or equivalent work experience required.

Special Instructions to Candidates

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.