Small Business Relationship Banker (Monterey/Carmel)

U.S. Bank•Monterey, CA

About The Position

The Small Business Relationship Banker serves as the primary Small Business Banking partner for assigned branches and relationships, typically supporting two to three branch locations. The role provides comprehensive financial solutions to small businesses with annual revenues between $500,000 and $2.5 million while demonstrating excellent customer service in accordance with U.S. Bank Core Values. The banker builds and deepens client relationships through proactive outreach, structured discovery, consultative selling, and disciplined follow-through. They interpret financial information, cash-flow dynamics, client goals, operating-cycle considerations, and risk indicators to provide practical guidance and solution recommendations. Solutions may include business deposits, lending and credit, treasury management, payment solutions, business credit cards, digital tools, cash-flow tools, and other appropriate small-business products and services. The role requires outside prospecting and sales activities to grow revenue and achieve assigned financial targets and growth goals. The banker identifies client priorities, aligns solutions with growth, efficiency, and risk objectives, and explains value, trade-offs, and next steps. They develop internal and external relationships, collaborate with branch teams and other partners, and coordinate client relationships from handoff through decisions, follow-up, activation, usage, and demonstrated value. Regular branch engagement includes sharing referral outcomes, effective sales and service practices, and insights about newly established small-business relationships. The banker balances acquisition, relationship deepening, and service while maintaining strong CRM discipline and responsible banking practices.

Requirements

Bachelor’s degree in business, accounting, or finance, or equivalent experience and job-related experience.
Three or more years of customer service, consultative sales, networking, prospecting, and/or small-business banking experience.
National Mortgage Licensing Service registration under the S.A.F.E. Act of 2008 and Regulation Z, with ongoing compliance with legal and regulatory registration requirements.
Maintain a satisfactory criminal and credit record.

Nice To Haves

Excellent customer service in accordance with U.S. Bank Core Values and ability to provide comprehensive financial solutions to small businesses with annual revenues between $500,000 and $2.5 million.
Strong written and verbal communication skills and ability to convey business recommendations effectively.
Understanding of banking operations, product knowledge, sales, new business development, customer service and relationship management, community relations, pipeline management, and responsible banking practices.

Responsibilities

Serve as the primary Small Business Banking partner for assigned branches and relationships, typically supporting two to three branch locations.
Provide comprehensive financial solutions to small businesses with annual revenues between $500,000 and $2.5 million.
Build and deepen client relationships through proactive outreach, structured discovery, consultative selling, and follow-through.
Translate financial information, cash-flow dynamics, client goals, operating-cycle considerations, and risk indicators into practical guidance and solution recommendations.
Conduct outside prospecting and sales activities to grow revenue and achieve assigned financial targets and growth goals.
Identify client priorities and align products and services with growth, efficiency, and risk objectives; communicate value, trade-offs, and next steps.
Recommend appropriate small-business solutions, including deposits, lending and credit, treasury management, payment solutions, business credit cards, digital tools, and cash-flow tools.
Develop relationships and collaborate with branch partners, centers of influence, clients, and other business-line partners.
Coordinate relationship ownership and client follow-through through handoff, decision, activation, usage, and demonstrated client value.
Share referral outcomes, successful sales and service practices, and insights on new small-business relationships with assigned branches.
Balance acquisition, relationship deepening, and service while maintaining CRM discipline and responsible banking practices.

Benefits

Medical, dental, and vision healthcare
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation, from two to five weeks depending on salary grade and tenure
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law
Incentives and recognition programs
Equity stock purchase
Pension