Small Business Banker

• Serve as the primary relationship manager for the largest small business client relationships within the assigned geographic area, generally focused on relationships of $1 million or greater.
• Build, expand, and retain a portfolio of larger small business relationships through proactive outreach, local market presence, and consultative selling.
• Deliver tailored solutions across deposits, lending, treasury management, and fee-based services.
• Act as a trusted advisor to help clients identify growth opportunities and manage risk.
• Partner with Relationship Bankers and branch teams to support small business customer conversations, referrals, and client transitions where relationship complexity or opportunity size warrants direct involvement.
• Provide guidance on needs-based discovery, financial analysis, and product positioning for small business clients.
• Serve as the escalation and expertise point for complex or larger small business opportunities within retail, including opportunities identified by local Financial Center Managers.
• Reinforce consistent execution of small business playbooks across the branch network.
• Use available capacity to support local Financial Center Managers with business development activities, client preparation, joint calls, and follow-up on high-potential small business opportunities.
• Manage inbound referrals from retail and generate outbound opportunities by prospecting for new larger small business clients within the local MSA.
• Drive deposit growth, small business lending volume, and fee income across assigned $1 million-plus relationships and targeted local prospects.
• Analyze business financials to assess creditworthiness and recommend appropriate lending structures.
• Collaborate with underwriting partners (e.g., Business Loan Center or BLC) to structure and execute solutions.

• Bachelor’s degree in Business, Finance, or related field (or equivalent experience) preferred
• 3-7+ years of experience in business banking, commercial banking, or small business lending
• Proven track record of generating deposit and loan growth within a client portfolio
• Experience working with business financial statements and underwriting processes preferred
• Strong consultative sales and relationship management ability
• Ability to translate complex financial concepts into client-friendly solutions
• Skilled in partnership and influence across retail and business line teams
• Strong pipeline management and execution discipline
• Excellent communication and presentation skills
• Proficiency with CRM and lead management systems used to track pipeline, referrals, and client interactions
• Experience using retail and commercial banking systems for account servicing, onboarding, and relationship management
• Ability to navigate digital banking platforms (online banking, treasury portals, client-facing tools)
• Familiarity with lending platforms and credit systems for underwriting, loan structuring, and deal tracking
• Ability to interpret financial spreads, credit memos, and borrower analytics using internal tools
• Working knowledge of SBA-related systems and workflows
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook, Teams, SharePoint)

Demonstrates expertise in relationship management and consultative selling for small business clients, focusing on deposit growth, lending volume, and tailored financial solutions. Proficient in analyzing business financials and collaborating with cross-functional teams to drive client success and manage risk.

• Business Banking Experience
• Consultative Sales Skills
• Financial Analysis Proficiency
• Relationship Management Expertise
• Pipeline Management

• Business Financial Analysis
• Lending Structures
• Creditworthiness Assessment
• Deposit Growth Strategies
• Loan Growth Generation
• SBA-Related Systems Knowledge
• Underwriting Processes
• Client-Facing Solutions
• Needs-Based Discovery
• Financial Statement Interpretation

• Excellent Communication
• Presentation Skills
• Partnership and Influence
• Consultative Selling Ability
• Execution Discipline

• Small Business Lending
• Commercial Banking
• Financial Services
• Treasury Management
• Client Relationship Management

• CRM Systems
• Lead Management Systems
• Digital Banking Platforms
• Retail Banking Systems
• Microsoft Office Suite