Business Banking Officer
About the role
The Business Banking Officer (BBO) serves as a dedicated partner to branch teams and business members, managing moderate-complexity lending, treasury management, and account servicing needs that fall between retail branch capabilities and the scope of a Business Relationship Manager (BRM).
Responsibilities
Manage business loan and line of credit requests up to $500,000, from initial discovery through submission into the Loan Origination System (LOS) and closing support.
Collect and review borrower documentation, including business and personal financial statements, tax returns, entity documents, and collateral information.
Partner with Credit Analysts and Underwriters to build credit packages, structure deals appropriately, and advance decisions through committee as required.
Support closing preparation in coordination with loan operations, documentation teams, and external parties (title, escrow, attorneys, accountants).
Identify cross-sell opportunities during lending, account opening, and relationship review conversations to deepen member wallet share and grow non-interest income.
Represent Desert Financial at chamber events, trade associations, and community business functions to build pipeline and strengthen brand presence.
Appropriately escalate loan requests above $500,000, complex credit structures, or relationships requiring deeper C&I/SBA expertise to Business Relationship Managers and senior lenders with a clean, well-documented handoff.
Requirements
Bachelor's degree in Business, Finance, Accounting or a related field; or equivalent combination of education and experience required.
Formal banking or credit training programs (e.g., commercial lending school, credit analyst training) are a plus preferred.
3+ years of experience in business banking, commercial banking, or a closely related financial services role required.
3+ years of demonstrated experience in one or more of the following: business lending support, Treasury Management services, business account management, or Relationship Manager support required.
Credit union or community bank experience strongly preferred; exposure to small business and C&I lending is ideal preferred.
Strong understanding of business lending fundamentals, including loan structuring, credit policy, and documentation requirements required.
Proven track record of managing referrals, meeting production goals, and delivering consultative service to business members or clients required.
Working knowledge of Treasury Management products and their application to small and mid-sized businesses required.
Familiarity with business account structures (sole proprietorship, LLC, S-Corp, C-Corp, partnerships), beneficial ownership requirements, and KYC/CIP/BSA-AML standards required.
Credit analysis skills, including the ability to interpret business and personal financial statements, tax returns, and cash flow analyses required.
Regulatory awareness across NCUA guidance, ECOA/Regulation B, Regulation O, BSA/AML, and fair lending principles required.
Consultative sales skills with the ability to identify needs, recommend solutions, and close business required.
Proficiency with Loan Origination Systems (LOS), CRM platforms (Salesforce or equivalent), and core banking systems required.
Strong verbal and written communication skills; able to present complex financial concepts to business members at varying levels of sophistication required.
Ability to prioritize and manage multiple workstreams, pipelines, and stakeholder relationships simultaneously required.
Formal commercial or business lending training (e.g., RMA, ABA School of Commercial Lending) preferred.
Certified Treasury Professional (CTP) or equivalent Treasury Management credential preferred.
Credit Analyst certification or equivalent formal credit training preferred.
Valid driver's license (for local business development and member visits) required.