Business Banker - Full Time

Business Banker
Business & Personal Banking
Full-Time
Workplace policy

The Business Banker coordinates at a senior level with the sales team to establish, build, and sustain business banking relationships with companies generally generating less than $20 million in gross sales. As the primary relationship manager for the Bank, they oversee client interactions and are actively involved in the credit process, including Credit Underwriting, Portfolio Management and Review, Risk/Credit grading, and risk identification and management. Portfolio management responsibilities encompass servicing, covenant compliance, and collateral monitoring. The role includes setting high expectations, fostering workforce stability by attracting, developing, and retaining talent, and supporting the team through coaching while modeling the bank's core values. Additionally, the Business Banker plays an active role in their local banking center community and contributes to fulfilling the Bank's CRA (Community Reinvestment Act) requirements.
Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposits, loans, and other applicable metrics.

Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts outside of the banking center to align with or exceed the Bank's strategic goals.
Independently analyzes credit checks worthiness, and conducts preliminarily financial statement analysis against bank risk standards and applicable product requirement to preliminarily determine potential credit worthiness.
Collaborates closely with the team to generate, identify, qualify, and prioritize new prospects as well as nurture the existing book of business.
Regularly contacts the top 20 loan and deposit clients monthly via phone or in person to maintain relationships and identify cross-selling opportunities.
Focuses on increasing core deposits and actively contributes to loan funding.
Possesses comprehensive knowledge of the market, competitors, and maintains a strategic outlook for business growth.
Demonstrates expert-level understanding of all bank products and services.
Conducts thorough pre-call planning and prepares worksheets prior to joint client appointments.
Independently assesses and meets clients' financial needs by analyzing their financial profiles and relevant documentation such as tax returns, credit reports, personal financial statements, and debt schedules.
Documents the relationship management process.
Guides clients in analyzing financial issues and recommends suitable solutions.
Acts as a client advocate in securing appropriate credit and cross-selling products and services.
Evaluates business, management, industry, financial, and structural risks and documents assessments in credit approval documents.
Contributes actively to banking center success through participation in sales campaigns, banking center activities, and community organizations.
Structures and completes secured and unsecured business loans, ensuring compliance with policy and presenting deals to the Risk team.
Participates in all required branch meetings and weekly joint calls or prospecting sessions with Small Business Bankers, followed by coaching sessions and completion of required coaching forms.
5-7 years of bank business development experience.

• 2 + years of bank lending experience, which includes credit analysis.
• Must be highly capable of meeting sales goals, independent activity in direct banking sales and credit support as well as maximizing cross-sell opportunities and relationship profitability.
• Demonstrated analytical skills and ability to assimilate complex financial and company operating information.
• Strong working knowledge of credit structuring and processing; credit trained preferred.
• Excellent business development skills.
• Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs.

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law.