Small Business Development Officer - Dallas, Texas

Truist Bank•Plano, TX

2d•Onsite

About The Position

The Small Business Development Officer (SBDO) is responsible for acquiring, managing, and growing relationships with upper-segment Small Business clients, often between $5 and $10 million ASR or with more complex Small Business needs. The role serves as the primary relationship manager for companies approaching or entering the Business Banking segment, providing consultative advice and delivering integrated financial solutions across lending, deposits, treasury management, payments, premier and wealth. Act as one of the market's subject matter experts for Small Business and emerging Business Banking opportunities, providing leadership, visibility, and accountability for client acquisition, portfolio growth, client retention, and execution of Truist's One Team approach. Collaborate with Market Presidents, Regional Presidents, and branch leadership to identify market opportunities, remove barriers to growth, and deliver a seamless client experience across all coverage channels. The SBDO is expected to build deep client relationships, identify growth opportunities, facilitate client migration to appropriate coverage models, and partner across Truist to deliver a seamless client experience. The role combines business development, portfolio management, risk management, and relationship leadership while serving as a trusted advisor to business owners and executives throughout the business lifecycle.

Requirements

Bachelor's degree in business, Finance, Economics, Accounting, or related field, or equivalent experience.
5+ years of business banking, commercial banking, treasury management, lending, or financial services experience.
Strong business development and relationship management skills.
Knowledge of commercial credit principles and financial statement analysis.
Demonstrated success meeting sales and production goals.
Strong verbal and written communication skills.
Ability to collaborate effectively across a matrixed organization.
Proficiency with CRM and sales management systems.

Nice To Haves

Formal credit training.
Treasury Management sales experience.
Experience serving clients with annual revenues of $5MM-$10MM.
Advanced business, finance, or banking education.
Strong understanding of wealth, insurance, and capital markets solutions.

Responsibilities

Prospect and acquire new client relationships within the Small Business and Emerging Business Banking segments.
Develop Centers of Influence (COI) relationships with attorneys, accountants, consultants, and community leaders.
Generate new lending, deposit, treasury management, merchant services, and payment opportunities.
Build referral partnerships across Truist lines of business.
Develop and execute calling plans to deepen existing client relationships and acquire new clients.
Serve as the primary relationship manager for assigned clients.
Develop comprehensive understanding of client objectives, financial position, ownership structure, and future growth plans.
Deliver advisory conversations focused on capital formation, liquidity, risk management, payments optimization, succession planning, and wealth creation.
Maintain strong client satisfaction and retention through proactive relationship management.
Coordinate client introductions and handoffs across Commercial Banking, Wealth, and Treasury Solutions.
Identify, structure, and manage commercial lending opportunities.
Conduct financial analysis and credit assessment to evaluate borrower capacity and creditworthiness.
Recommend lending solutions consistent with Truist credit policies and risk appetite.
Partner with underwriting and credit teammates to ensure timely delivery of financing solutions.
Maintain strong portfolio quality while balancing growth objectives.
Deliver comprehensive banking solutions including: Commercial lending, Deposits, Treasury management, Merchant services, Commercial card solutions, Foreign exchange, Wealth management.
Partner with specialists to address complex client needs and provide holistic financial solutions.
Manage a portfolio of Small Business and Emerging Business Banking relationships.
Monitor portfolio performance, profitability, risk trends, and client activity.
Identify expansion opportunities through relationship deepening and cross-sell execution.
Drive portfolio revenue growth while maintaining strong credit quality.
Adhere to all Truist credit, operational, regulatory, and compliance requirements.
Exercise sound judgment in evaluating risk and recommending client solutions.
Maintain appropriate documentation and portfolio reviews.
Monitor client relationships for emerging risk indicators.
Ensure compliance with all applicable policies and procedures.