Business Banking Officer

Business Banking Officer

Job Description:

• Aid in the management and servicing of business banking relationships by working closely with customers, focusing on relationship retention.
• Evaluate pertinent financial information and determine whether credit is an acceptable risk.
• Recommend approval of loans and credit cards according to company policies and procedures.
• Monitor existing loans for delinquencies as well as conformity to terms and conditions.
• Work closely with Branch Managers and lobby staff to cross‑sell additional bank products and services.
• Meet regularly with customers to review products and services and enhance the relationship.
• Actively participate with and assist senior lending officers on larger, more complex credits.
• Monitor market conditions and make recommendations to maintain a competitive and profitable product line.
• Develop and maintain comprehensive knowledge of all commercial products including loans, cash management, credit cards and deposits to facilitate cross‑selling and enhance the client experience.
• Analyze financial statements and related information.
• Monitor the financial health of borrowers/guarantors and analyze financial statements.
• Work with community agencies and participate within the market, serving as a representative of the Bank to provide resources and develop banking relationships.

• Existing skills in commercial credit underwriting, business development and portfolio management for small‑to‑mid‑sized companies is preferred.
• Must have strong professional communication, presentation and interpersonal skills.
• Superb people skills to work within a team environment and successfully develop and retain client relationships are required.
• An ability to cross‑sell other banking products, including loans, deposits and treasury management is required.
• Must be self‑motivated to work independently and take ownership.
• Excellent time management and organizational skills are required.
• Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
• This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
• Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry is required.
• Must have superior analytical and decision‑making skills based on a thoughtful assessment of risk.

Supervisory Responsibilities:

None

Education and/or

Experience:

Bachelor’s degree in Business Administration from a four‑year college or university; a Finance or Accounting emphasis is strongly preferred. MBA is preferred but not required. Some experience in commercial and/or business banking is preferred.

Computer and Software

Skills:

Microsoft Office, Google Drive.

Certificates, Licenses and Registrations:
None.

Equal Opportunity Statement:
Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability.

All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.