Business Banker

First Citizens Bank•Folsom, CA

About The Position

As a Business Banker at First Citizens Bank, you develop and expand relationships with business owners in the community to help them meet their financial goals. You develop and maintain an active prospect list, customer outreach plan, and quality referral sources. You serve as the primary contact for borrowing needs, on average up to $5 million, and engage bank partners to provide a full range of deposit and related business services. Larger relationships may be managed with manager approval and appropriate partner support. The role involves achieving sales and relationship goals, delivering financial guidance, fostering collaborative customer and colleague partnerships, and complying with applicable regulations, bank policies, procedures, and delegated authorities. The position requires frequent driving to other offices and customer locations; a bank car is not provided.

Requirements

Bachelor’s degree and 6 years of experience, or a high school diploma or GED/equivalent and 10 years of experience in commercial or business lending, credit, or business development.
Valid driver’s license.
Ability to drive frequently to other offices, bank customers, and other locations; a bank car is not provided.
Application of a structured sales process.
Ability to provide financial guidance and expertise.
Sales planning and forecasting skills.
Financial analysis skills.
Credit underwriting skills.
Knowledge of business lending, deposit, and cash management solutions.
Knowledge of retail and wealth solutions to refer.
Business development skills.
Networking and building centers of influence.

Responsibilities

Achieve individual and/or team financial, production, and relationship results against assigned metrics and goals, aligned with community needs and the bank’s commitment to diverse lending.
Conduct proactive outreach to customers, prospects, and referral sources.
Represent the bank at civic and community events when appropriate to generate business and identify potential CRA opportunities.
Use sales practices that create value for both customers and the bank, with appropriate partnering, planning, and preparation to provide relevant financial guidance.
Foster collaborative partnerships that deliver value for customers, prospects, and colleagues.
Initiate conversations to uncover sales and referral opportunities; listen attentively, ask insightful questions, understand needs and preferences, and act promptly on immediate needs.
Seek coaching, support bank initiatives, and leverage tools to optimize performance.
Comply with regulations, bank policies, procedures, and delegated authorities to manage credit, operational, reputational, regulatory, and legal risks.
Complete required training by established deadlines.
Perform assigned general office management duties to support operational efficiency.
Where responsible for taking deposits, maintain transaction accuracy and operational efficiency, with accountability for individual and team performance.