Small Business Banker

City National Bank of Florida•Boca Raton, FL

About The Position

The Small Business Banker serves small businesses with annual revenues up to $5 million, providing banking products and services and meeting customers’ needs through service, promotion, and sales. The role is responsible for increasing deposits and fee income, reducing expenses, maintaining client relationships, and meeting or exceeding individual and team sales goals. It services customer account needs, coordinates required reports with the Market Manager, and performs other operational functions as needed. The position is cross-trained in paying, receiving, collections, and cash handling, and must process transactions accurately while following security and balancing procedures. The banker develops and grows small business relationships, acquires new clients, retains and deepens existing relationships, and analyzes clients’ financial conditions to recommend suitable business and personal financial solutions. The role also opens and services accounts, handles client inquiries and account discrepancies, makes overdraft and payment decisions within delegated authority, and coordinates referrals across business lines. It supports lending by interviewing prospective applicants, gathering documentation, assisting with loan information, and potentially closing loans within the role’s authority. The position also supports banking-center operations, reporting, compliance, and security.

Requirements

5–7 years of recent banking experience as a Small Business Banker II or higher.
Solid credit experience, including prior responsibility for loan structuring and credit analysis.
Demonstrated success acquiring and growing small business relationships.
Ability to complete independent pre-screens and cash flow analysis.
Collaborative, proactive, and goal-oriented mindset.
Excellent communication and relationship management skills.

Nice To Haves

Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field preferred.
An equivalent combination of education and relevant professional experience may be considered in lieu of a degree.

Responsibilities

Meet or exceed individual and team sales goals, including goals for deposits, loans, and other products as applicable.
Develop and expand client relationships, maintain a prospect list, and participate in networking, outside sales, and cold calling as appropriate.
Represent the Bank in the community and take appropriate leadership roles when available.
Grow the profitability of the small business client base by developing deposit and loan relationships, acquiring new clients, and retaining and deepening existing relationships.
Analyze client financial conditions and recommend solutions that meet business and personal needs.
Maintain knowledge of Bank products, services, and the marketplace; identify client needs and coordinate referrals to other business lines.
Open and process accounts, products, and services after consulting with clients about their needs.
Make daily overdraft and pay/return decisions using independent judgment within authority limits.
Handle general client inquiries and reconcile client statements; work with operations personnel to resolve balance discrepancies and maintain account files.
Provide customer account services, including accepting deposits and loan payments, cashing checks within policy limits, processing withdrawals, and selling travelers’ and cashier’s checks.
Work with other business lines and departments to provide an integrated client experience and support efficient bank operations.
Stay informed about changing business trends affecting Personal and Business Banking and identify related business opportunities.
Follow operational, security, compliance, and regulatory policies and procedures, including S.A.F.E. Act requirements.
Complete general ledger tickets and balance accurately; ensure required management reports are accurate and submitted on time.
Open and close the banking center.
Interview prospective loan applicants in conjunction with Lending staff or within the role’s authority; collect customer documents, assist underwriting or the Bank Manager in obtaining complete loan information, communicate with customers, and close loans when authorized and appropriate.