Business Banker I - Port St Lucie, FL

SouthState Bank•Port Saint Lucie, FL

2d•Onsite

About The Position

The Business Banker I drives growth of business relationships through proactive loan origination and deposit expansion, applying disciplined credit judgment and risk management. The role combines business development with introductory financial analysis to structure lending solutions aligned with client needs and the bank’s risk appetite. It mitigates fraud and credit risk through due diligence, portfolio monitoring, and regulatory compliance, supporting sustainable growth, asset quality, and client retention. This role is a pipeline for advancement to Business Banker II or a similar position. The position develops business through prospecting, professional referral networks, outbound calls, and community engagement. It works with branch, credit, treasury, and operations teams to coordinate client solutions and deal execution. The banker performs initial financial analysis, recommends credit structures, coordinates the full loan lifecycle, and manages a portfolio of business relationships, including renewals, past-due accounts, and credit issues. The role also monitors portfolio risk, identifies potential fraud and emerging credit issues, and ensures adherence to applicable regulations and bank policies, including BSA/AML and Fair Lending. The role is based at 9815 S US Highway 1, Port St Lucie, Florida 34952. Periodic travel within the assigned market is required for client meetings and business development activities. The work environment is a typical office setting when reporting to a company location.

Requirements

Bachelor’s degree in Finance, Business, or a related field, or equivalent experience in a related field.
2–3 years of banking experience, with a strong emphasis on business lending, credit analysis, and deposit relationship management.
Ability to communicate effectively in person, by phone, and through electronic channels.
Ability to use computers and digital systems frequently, including sustained attention to financial data, reports, and client records.
Ability to review, interpret, and validate financial documents, loan files, and client information accurately.
Foundational financial analysis and credit-structuring capabilities, including interpreting complex financial statements, cash flow modeling, and risk-adjusted deal design.
Sound judgment in identifying and mitigating credit, operational, and fraud risk, including suspicious behaviors, inconsistent financial reporting, and transaction anomalies.
Ability to execute business development strategies and maintain a pipeline that supports growth in loans, core deposits, and fee-based revenue.
Ability to communicate financial insights and credit recommendations effectively to clients, partners, and internal stakeholders.
Knowledge of banking products, regulatory requirements, and market dynamics.
Strong relationship management skills and ability to build trust with clients and professional referral networks.
High attention to detail and organizational discipline in managing loan documentation, financial data, and portfolio monitoring.
Strong initiative, urgency, accountability, and ability to collaborate to resolve issues and deliver results.
Ability to use digital tools to track pipeline activity, client interactions, and performance metrics.
Ability to exercise independent judgment while balancing revenue growth with credit quality, risk mitigation, and regulatory compliance.
Ability to sit, stand, and/or walk for extended periods; bend and reach.
Ability to travel periodically within the assigned market.
May be required to obtain applicable lending or NMLS registration, as appropriate to the role.
Maintains a professional appearance consistent with organizational standards.
Demonstrates a track record of achieving or exceeding loan production, deposit growth, and revenue goals.

Responsibilities

Develop and execute prospecting and relationship-expansion strategies through referral networks, outbound calls, and community engagement to generate qualified loan and deposit opportunities.
Grow core deposits and fee income by referring clients to Treasury Management, merchant services, and other internal partners.
Partner with branch, credit, treasury, and operations teams to coordinate solutions, support efficient deal execution, and improve the client experience.
Maintain knowledge of products and services available to business customers.
Perform initial financial analysis, including cash flow, liquidity, leverage, and global debt service coverage, to evaluate borrower capacity and credit risk.
Structure and recommend credit solutions, including loan terms, collateral positioning, and pricing.
Coordinate the loan lifecycle, including application intake, documentation validation, underwriting engagement, stipulation resolution, and closing.
Prioritize and manage multiple tasks involving client interactions, credit analysis, and deal execution to meet deadlines.
Manage and expand a portfolio of business relationships by deepening engagement, growing loan outstandings and operating deposits, and maintaining portfolio health.
Manage loan renewals, past-due accounts, and credit-related issues to support client profitability, retention, and portfolio performance.
Monitor portfolio performance, financial trends, and risk-rating movements; identify emerging credit issues and implement mitigation strategies.
Mitigate fraud and operational risk by validating client identity and business legitimacy, analyzing transaction patterns, applying due diligence standards, and escalating suspicious activity.
Ensure compliance with applicable regulations and bank policies, including BSA/AML and Fair Lending, through documentation, audit readiness, and adherence to risk frameworks.
Take ownership of tasks and challenges associated with the assigned position and perform additional duties as assigned.
Travel periodically within the assigned market to meet clients and attend community and business development events.