Business Banker

First Citizens Bank; Carlsbad (CA); On-site; USD 128,000 - 197,000; Full time

Job summary

First Citizens Bank is seeking a Business Banker to develop and expand relationships with business owners in the community, managing a portfolio with lending needs up to $5MM. The role partners with other bank teams to provide deposits, cash management, and related services.

The ideal candidate will have a bachelor's degree with several years in commercial lending, or an equivalent mix of education and experience, plus a proven ability to generate referrals and meet profitability goals.

Qualifications

• Experience in commercial or business lending, credit, or business development is required.
• Bachelor's degree with 4 years of relevant experience or an equivalent mix of education and experience.
• Strong knowledge of lending, deposits, and cash management solutions.

Responsibilities

• Manage a portfolio of business banking relationships and acquire new clients.
• Collaborate with bank partners to deliver deposits and related services.
• Drive sales targets and referrals while maintaining risk controls.
• Provide financial guidance and underwriting decisions for lending opportunities.

Skills

Sales process

Financial guidance

Sales planning

Financial analysis

Credit underwriting

Business lending

Deposits & cash management

Networking & COI

Education

Bachelor's degree

High school diploma or GED

Job description

Overview

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Business Banker at First Citizens Bank you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals. Business Bankers are responsible for acquiring and managing a portfolio of business banking relationships, and the primary contact for borrowing needs up to $5MM. This associate engages bank partners to provide a full range of deposit and related business services. Larger relationships may be managed with manager approval and/or appropriate partner support. Develops and maintains an active prospect list, customer outreach plan and quality referral sources in accordance with a sales plan to achieve production goals and profitability objectives.

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Responsibilities & Qualifications

Duties & Responsibilities:

Team Management - Manage performance and personnel functions for a team, ensuring operational soundness while executing on a plan to deliver results that create value for the customer and meet the financial expectations of the bank. Drive accountability to role expectations, responsibilities and authorities, providing one on one feedback and coaching that supports associate development and achievement of results. Regularly and proactively leverage the expertise of bank partners, other managers or team

Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions.

Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities.

Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance.

Position Specific Skills

• Application of a structured sales process
• Providing financial guidance and expertise
• Sales planning and forecasting
• Financial analysis
• Credit underwriting
• Knowledge of business lending, deposit and cash management solutions
• Knowledge retail and wealth solutions referred
• Business development
• Networking and building centers of influence

Qualifications

Bachelor's Degree and 4 years of experience in Commercial or business lending, credit or business development OR High School Diploma or GED and 8 years of experience in Commercial or business lending, credit or business development

Preferred Qualifications

Established COI's and referral sources

Financial analysis and credit underwriting skills

Knowledge of business lending, deposit and cash management solutions

Ability to provide financial guidance and expertise

Sales planning and forecasting experience

Required Licenses or Certifications

Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided

Additional Information

The base pay for this position is generally between $128,314 and $196,747. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.