Business Banker

This is a relationship-driven, production-focused position responsible for acquiring new clients, expanding existing relationships, generating commercial loans and deposits, and delivering comprehensive banking solutions to business owners and decision-makers.

a strong background in Commercial & Industrial (C&I) lending is essential for this role. The ideal candidate will have hands-on experience developing and managing C&I relationships, analyzing business financials and cash flow, structuring working capital and term financing, and providing banking solutions to operating businesses. Candidates whose experience is primarily limited to commercial real estate lending will not be considered a strong fit.

The ideal candidate will have a strong understanding of business banking and commercial lending, with the ability to identify client needs and provide solutions across C&I lending, deposits, treasury management, cash management, and other financial products.

This individual will serve as a trusted advisor to business clients while partnering closely with Credit, Underwriting, Treasury Management, Operations, and other internal teams to deliver a high level of service and efficiently execute new business.

The successful candidate should be comfortable developing business independently, building a local network of Centers of Influence, analyzing business financials, structuring C&I credit opportunities, and managing a portfolio of business relationships.

• Develop, acquire, and grow relationships with small and middle-market businesses within the local market, with a strong focus on C&I and operating business relationships
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• Proactively prospect for new business through referrals, networking, community involvement, Centers of Influence, existing relationships, and direct business development.
• Serve as the primary relationship contact for assigned business clients and develop long-term, trusted relationships with business owners, executives, and key decision-makers.
• Identify opportunities to increase the bank's share of wallet across C&I loans, deposits, treasury management, and other banking products.
• Generate new C&I loan opportunities
  , including working capital lines of credit, revolving credit facilities, term loans, equipment financing, business acquisition financing, owner-occupied commercial real estate, and other business lending solutions.
• Develop and maintain core business deposit relationships, including checking, savings, money market, and other operating accounts.
• Partner with Treasury Management teams to identify and implement cash management, payment, merchant, ACH, wire, and other business banking solutions.
• Analyze business financial statements, tax returns, cash flow, debt service capacity, collateral, credit history, and overall financial condition.
• Structure and recommend appropriate C&I credit solutions based on the client's financial needs, cash flow, business performance, and the bank's credit standards.
• Prepare or coordinate credit packages, loan applications, financial analysis, and credit recommendations.
• Work closely with Credit and Underwriting teams to move transactions through the approval and closing process.
• Present or participate in the presentation of transactions to Credit or Loan Committee as required.
• Manage and monitor an assigned portfolio of business relationships and maintain overall credit quality.
• Conduct periodic and annual reviews of commercial relationships and identify changes in financial performance, credit risk, or client needs.
• Monitor loan covenants, financial reporting requirements, collateral, and other portfolio requirements.
• Maintain accurate relationship, pipeline, call report, and credit documentation.
• Develop and…