Business Banking Officer
About The Position
Manages and grows a portfolio of business member relationships through proactive outreach, consultative sales, and ongoing relationship management to increase deposits, treasury services utilization, lending opportunities, and overall member engagement. Identifies and acquires new business members through prospecting, networking, community involvement, referral development, and partnership with branch and internal teams. Conducts discovery conversations with prospective and existing business members to assess financial needs and recommend tailored solutions including business deposit accounts, cash management, merchant services, treasury solutions, and business lending products. Serves as the primary point of contact for business banking relationships, delivering a high-touch member experience from onboarding through ongoing service, relationship reviews, and retention efforts. Achieves established production and portfolio goals for business deposits, fee income, treasury management services, merchant services, business lending referrals and/or originations, and other business banking solutions. Partners with credit and lending teams to support business loan opportunities by gathering documentation, facilitating application and underwriting processes, coordinating communication, and supporting renewals, annual reviews, and ongoing servicing activities. Opens and services business accounts, ensuring accurate documentation, entity verification, beneficial ownership review, and compliance with all regulatory requirements, internal policies, and operational procedures. Builds and maintains strong partnerships with branch leadership, retail teams, treasury partners, operations, and other internal stakeholders to generate referrals, coordinate solutions, and deliver a seamless member experience. Maintains an active pipeline, monitors portfolio performance, prepares relationship reviews, and tracks business development activity to support production goals and business banking growth. Contributes to the ongoing enhancement of business banking products, processes, technology, and vendor relationships by identifying opportunities to improve efficiency, service delivery, and member experience. Represents the Credit Union in the community and with external centers of influence to strengthen brand presence, support business development efforts, and cultivate new relationship opportunities. Ensures compliance with all applicable laws, regulations, credit union policies, and risk management practices by maintaining accurate records, adhering to internal controls, and supporting audits, examinations, and compliance reviews.
Requirements
- Bachelor’s degree in business, finance, accounting, or a related field preferred; equivalent combination of education and relevant experience may be considered.
- 7–10 years of experience in business banking, small business banking, commercial banking, relationship management, or a closely related financial services role.
- 3–5 years of experience supporting and/or originating small business lending relationships.
- Demonstrated success in business development, portfolio growth, and relationship management within a banking or credit union environment.
- Strong understanding of business banking products and services, including business deposit products, treasury management, merchant services, and business lending solutions.
- Working knowledge of business entities and ownership structures, including sole proprietorships, partnerships, LLCs, and corporations.
- Understanding of BSA/AML, CIP, beneficial ownership, and other regulatory requirements applicable to business accounts and business banking relationships.
- Strong financial acumen with the ability to understand business needs, review documentation, and recommend appropriate financial solutions.
- Excellent communication, presentation, and interpersonal skills, with the ability to build credibility and influence with business members, partners, and internal stakeholders.
- Proficiency with core banking systems, CRM or pipeline management tools, and standard office software.
- Ability to manage multiple priorities, maintain strong attention to detail, and operate effectively in a production- and relationship-driven environment.
Responsibilities
- Manages and grows a portfolio of business member relationships
- Identifies and acquires new business members
- Conducts discovery conversations with prospective and existing business members
- Serves as the primary point of contact for business banking relationships
- Achieves established production and portfolio goals
- Partners with credit and lending teams to support business loan opportunities
- Opens and services business accounts
- Builds and maintains strong partnerships with branch leadership, retail teams, treasury partners, operations, and other internal stakeholders
- Maintains an active pipeline, monitors portfolio performance, prepares relationship reviews, and tracks business development activity
- Contributes to the ongoing enhancement of business banking products, processes, technology, and vendor relationships
- Represents the Credit Union in the community and with external centers of influence
- Ensures compliance with all applicable laws, regulations, credit union policies, and risk management practices
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
