Business Banker (Digital Relationship Manager)

About the role

ZiFi is a digital‑first small business bank with no physical branches. Relationship managers, called ZiFi Business Bankers, provide the human connection behind the digital platform. This high‑volume, results‑driven production role splits time 80% on operating the bank (converting leads, gathering paperwork, packaging deposits, loans, and merchant services) and 20% on building the bank (translating client feedback into product requirements and refining risk and operational workflows for upcoming scale). The position is fully in‑office (5 days a week) at the Zions Technology Center, 7860 South Bingham Junction Blvd, Midvale, UT 84047 – a 400,000‑square‑foot LEED‑certified campus featuring EV charging, proximity to UTA TRAX and Historic Gardner Village, on‑site solar power, outdoor recreation, a modern cafe, and healthy indoor environments.

Responsibilities

• Calling on Leads: Actively reaching out to warm digital leads (including partner referrals like Lendio) to introduce ZiFi and initiate the relationship.
• Making Small Businesses "Bankable": Serving as a trusted consultant to walk business owners through what it takes to successfully obtain bank products.
• Packaging Deposits, Loans, and Merchant Services: Hands‑on packaging of all applications – gathering documentation for business deposit accounts, structuring SBA 7(a) loan files, and setting up merchant card processing applications.
• Chasing Paperwork (Supporting Ops): Working directly with Credit and Operations to contact clients, track down missing tax forms, entity documents, and signature cards, and resolve onboarding exceptions.
• Revenue & Portfolio Preservation: Actively managing an assigned portfolio of business clients to drive utilization, cross‑sell services, prevent attrition, and protect bank revenue.
• Defining Product Requirements: Capturing client pain points and feature gaps, translating frontline client feedback into clear, actionable new product requirements to improve and expand Online Banking and Digital Account Onboarding platforms.
• Frontline Feedback Loop: Working with the team to help define, test, and establish brand‑new operational workflows.
• Streamlining Process: Providing input as we design and optimize automated tools to enable rapid scaling next year.
• Other duties as assigned.

Requirements

• 1+ year of banking experience in one or more of: SBA loans, Deposit Account Opening, Merchant Services (payments).
• Small business banking focus.
• Sales experience preferred.
• SBA Lending experience preferred.
• A combination of education and experience may meet the requirements.

Skills

• Production Mindset: A fast‑paced “doer” who thrives under activity metrics, pipeline pressure, and quick turnaround times.
• Triple Threat Package: Direct experience packaging and processing business deposit accounts, SBA 7(a) loans, and merchant services.
• Operational Grit: Excitement to roll up sleeves, wear many hats in a small team, chase down paperwork, and handle operational checklist items.
• Voice of the Customer: Able to synthesize customer conversations and operational friction into structured technical requirements for engineering and product