VP, Structured Finance - Business Development Officer

Climate First Bank

4d • Remote

About The Position

At Climate First Bank, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. We’re seeking driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

Requirements

• Bachelor’s degree in Business, Finance, or a related field; MBA or advanced degree is a plus.
• 5+ years of experience in factoring, ABL, or commercial finance.
• Entrepreneurial Self-Starter Mentality - You take charge of your work product and take pride in delivering consistently great and measurable results. A high-pace and high-expectation environment excites you and you can’t wait to push yourself to new professional heights in a company that rewards high performance.
• Master Communicator - Whether it’s in-person, on camera, phone, or chat — you communicate with confidence, precision, and professionalism. You listen deeply and respond thoughtfully and are able to engage efficiently and tactfully with internal and external stakeholders. Additionally, you possess exceptional interpersonal, communication, and negotiation skills allowing you to masterfully build relationships and develop business with strong influencing and decision-making skills.
• Banking & Fintech Acumen- You are highly educated in factoring and ABL products, including underwriting and credit analysis principles. You also possess strong knowledge of unique industries and markets in conjunction with a broad knowledge of business banking products and services is required.
• Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation and leverage technology to optimize your work process. You showcase strong proficiency in CRM tools and financial analysis software.
• Commitment to Being a Team Player - You possess the ability to work independently but still, you lift others up, share ideas, and bring positive energy to everything you do. You know what it takes to operate as a part of a larger team and cherish opportunities to contribute to the big picture. You’re dependable, communicate clearly and always happy to lend a hand where needed.
• Stay informed and compliant with all regulatory policies, including BSA, AML, CIP, and OFAC.

Nice To Haves

• MBA or advanced degree

Responsibilities

• Identify, cultivate, and manage relationships with prospective clients.
• Develop and execute a strategy to meet or exceed annual new business funding targets.
• Leverage industry networks, referral sources, and marketing strategies to generate a consistent pipeline of high-quality leads.
• Conduct in-depth needs assessments to understand client financial requirements and present tailored financing solutions.
• Build and maintain strong relationships with referral partners, including brokers, CPAs, attorneys, and industry associations.
• Represent the Structured Finance Division at industry conferences, trade shows, and networking events to promote services and build the division’s brand.
• Work collaboratively with internal underwriting, operations, and credit teams to structure and close deals efficiently.
• Ensure all deals align with the division’s credit policies and risk appetite.
• Negotiate terms and pricing with clients while maintaining a focus on achieving profitability and client satisfaction.
• Stay informed about market trends, competitor offerings, and changes in the factoring and ABL landscape.
• Provide feedback to leadership regarding market conditions and opportunities for product or service enhancements.
• Build and maintain a robust pipeline with clearly defined stages and next steps.
• Generate a balanced portfolio of deals across various industries and credit profiles.
• Embody a commitment to environmental, social, economic, and racial justice.
• Apply curiosity and interest in our core values and pursue education related to sustainability practices.
• Be willing to pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
• Recognize the importance of protecting the organization and our customers.
• Question suspicious activity and stay in close collaboration with our Compliance department to ensure proper investigation and processing of potentially fraudulent activity.
• Stay informed on legal context and regulatory requirements and prioritize completing all web-based compliance and IT training.

Benefits

• Annual bonus, incentives and equity
• 100% employer-paid health coverage for employees
• Employer contribution for dependents
• Medical, Dental & Vision Insurance
• Health Savings Account (HSA)
• Free Telemedicine access via Teladoc
• 401(k) with 6% Employer Match — No Vesting Period
• Employee Stock Options
• Exclusive Employee Banking Perks
• 0% Financing for Employee Solar Loans
• Employee Only Mortgage Product with exclusive interest rates and terms
• 0% Financing for Eligible Electric Vehicles (EVs)
• Referral Incentives
• 2–4 Weeks of Vacation based on officer level plus additional tenure-based time
• 64 Hours of Paid Sick Time for all full-time employees
• Company-Paid Life Insurance
• Short- & Long-Term Disability Insurance
• Voluntary Life, Accident & Critical Illness Coverage
• Employee Assistance Program (EAP) with free counseling, legal, and financial services

What This Job Offers

• Job Type: Full-time
• Career Level: Senior