Business Banker

Job Summary

This position is responsible for proactively growing and deepening relationships with both existing and new small business clients, typically companies with up to $2 million in annual revenues. The role deepens client relationships by presenting product and service solutions that meet clients’ needs and financial goals, including consumer and small‑business offerings such as deposits, treasury, and credit solutions, as well as referring related banking products and services. The incumbent also reaches out into the community by visiting businesses, making outbound calls, and may conduct educational seminars.

Essential Duties & Responsibilities

• Follow the sales management process, ensuring a regular calling program to clients and prospects to generate high‑quality new deposits and loan business.
• Meet with existing clients and prospects through personal calling efforts and other contacts to discuss business needs and recommend banking solutions.
• Assist in planning portfolio growth by developing a business plan aligned with departmental budget and overall bank asset/liability management objectives.
• Coordinate with internal business partners to ensure client consumer and small‑business needs and financial goals are met.
• Maintain up‑to‑date knowledge of competitors’ products and pricing in the served market.
• Review deposit profitability analysis and outline strategies to return unprofitable accounts to profitability.
• Work with borrowing clients to procure updated financial information on an ongoing basis.
• Communicate lending decisions to clients.
• Follow up on loan exceptions to ensure timely clearing while controlling exception volume.
• Represent the bank at civic and community functions to enhance its image and develop additional business.

Supervisory Responsibilities: None

Minimum Required Education, Experience & Knowledge

• Bachelor’s degree from a four‑year college or university, or equivalent years of experience.
• 4–6 years of experience as a Business Banker.
• Proven ability to meet sales goals, including credit products and internal business‑partner referrals.
• Skilled in proactively sourcing, acquiring, building, and maintaining relationships with clients and co‑workers.
• Working knowledge of Microsoft Office (Word, Excel, Outlook).
• Significant experience in a role as a business advocate.
• Advanced knowledge and understanding of retail and/or small‑business products and strategies.
• Advanced knowledge and understanding of banking products and services.
• Significant experience sourcing small‑business clientele.
• Demonstrated understanding of complex financial accounting and analysis.
• Significant experience leading or participating in events and activities for local networks or professional organizations (e.g., chamber of commerce, professional business groups, United Way, etc.).