Business Banker

Business Banker

The Business Banker is responsible for developing, managing, and growing relationships with small to middle-market business clients through the origination, underwriting, and servicing of Commercial & Industrial (C&I) loans. This role focuses on business development, credit analysis, relationship management, and cross-selling deposit and treasury management solutions to support client growth and profitability.

Key Responsibilities

• Develop and manage relationships with business clients to identify lending and banking opportunities.
• Originate, structure, negotiate, and close C&I loans.
• Analyze financial statements, tax returns, cash flow, and collateral to assess creditworthiness.
• Prepare and present credit packages for approval in accordance with bank policy.
• Manage an existing portfolio while maintaining strong asset quality and risk management practices.
• Generate new loan and deposit growth through networking, referrals, and community involvement.
• Cross-sell treasury management, deposit, and other commercial banking products.
• Conduct regular client and prospect calls to deepen relationships and identify opportunities.
• Monitor loan performance, financial reporting, and covenant compliance.
• Ensure compliance with all bank policies, procedures, and regulatory requirements.
• Average of 2MM to 8MM per deal.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or related field preferred.
• 3+ years of commercial banking, business banking, or C&I lending experience.
• Strong credit underwriting, financial analysis, and cash flow analysis skills.
• Experience evaluating business financial statements and tax returns.
• Proven business development and relationship management abilities.
• Knowledge of commercial loan structures, documentation, and risk management.
• Excellent communication, presentation, and customer service skills.

Preferred Skills

• C&I Lending
• Business Development
• Credit Analysis & Underwriting
• Cash Flow Analysis
• Financial Statement Analysis
• Portfolio Management
• Treasury Management
• Relationship Management
• Risk Assessment
• Commercial Banking Products & Services