Small Business Banker

City National Bank of Florida•North Miami, FL

About The Position

The Small Business Banker serves small businesses with annual revenues up to $5 million by providing banking products and services. The role meets customers’ needs and expectations by servicing, promoting, and selling the Bank’s products and services; increasing deposits and fee income; reducing expenses; maintaining client relationships; and meeting or exceeding assigned sales goals. The Banker services customer account needs, coordinates with the Market Manager on required reports, and performs other functions supporting bank operations. The role is cross-trained in paying, receiving, and collection functions, including cash handling, and must process transactions accurately while following security and balancing procedures. The Banker grows and retains small business relationships, develops deposit and loan business, identifies client needs, recommends financial solutions, and coordinates referrals across the Bank. The position also handles account servicing and transactions, supports loan applications and underwriting, ensures compliance with operational and security policies, and may open and close the banking center.

Requirements

5–7 years of recent banking experience as a Small Business Banker II or higher.
Solid credit experience, including prior responsibilities in 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.
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.

Nice To Haves

Bachelor’s degree in Business Administration, Finance, Accounting, Economics, or a related field.

Responsibilities

Meet and exceed individual and/or team sales goals, including deposit and loan goals.
Develop and expand client relationships and contribute to the Bank’s success.
Maintain a prospect list; 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 through new acquisition, retention, and relationship deepening.
Develop deposit and loan relationships and acquire new priority small businesses.
Analyze clients’ financial conditions and recommend financial solutions for their business and personal needs.
Maintain knowledge of Bank products, services, and the marketplace to identify relationship-building opportunities.
Identify client needs and coordinate or refer them to other lines of business, while meeting referral goals.
Open and process accounts, products, and services after consulting with clients about their needs.
Make daily overdraft pay-or-return decisions using independent judgment within authority limits.
Handle client inquiries, reconcile statements, address balance discrepancies with operations personnel, and maintain account files.
Service customer accounts, including accepting deposits, cashing checks within policy limits, processing withdrawals, selling travelers’ checks and cashier’s checks, and accepting loan payments.
Work with other lines of business and departments to provide an integrated client experience and support efficient bank operations.
Keep abreast of business trends affecting Personal and Business Banking and translate them into business opportunities.
Follow operational and security policies and procedures to maintain accounting integrity and security.
Complete general ledger tickets and balances accurately.
Complete reports required by Senior Management accurately and on time.
Open and close the banking center.
Interview prospective loan applicants with Lending staff or within the role’s authority; collect documents supporting credit decisions.
Assist the underwriting officer or Bank Manager in obtaining complete loan-request information and communicating with customers; close loans when appropriate, ensuring compliance with credit regulations.
Complete compliance and regulatory training, including S.A.F.E. Act requirements.