Business Banker

First Citizens; Charlotte (NC); On-site; USD 75,000 - 115,000; Full time

Job summary

First Citizens Bank in Charlotte, NC is seeking a skilled Business Banker to develop and expand relationships with local business owners, helping them meet their financial goals. You will identify lending opportunities, provide guidance on deposits and cash flow management, and collaborate with internal partners to deepen client relationships across the bank.

This role emphasizes community engagement, a structured sales process, and a focus on delivering financial solutions for small to mid-size

Qualifications

• Bachelor's Degree with 4 years' experience in commercial or business lending or
• High School Diploma or GED/Equivalent with 8 years' experience in commercial or business lending
• Experience in credit underwriting and financial analysis preferred

Responsibilities

• Make an impact by contributing to bank growth through loans, deposits and fee income.
• Leverage your network to engage local business owners and develop lending opportunities.
• Represent the bank in the community through civic, community and networking events.
• Engage in efficient loan approvals with open communication and credit partner exposure.
• Collaborate with bank partners to deepen full client relationships.

Skills

Structured sales process

Financial guidance

Sales planning & forecasting

Financial analysis

Credit underwriting

Business lending

Deposit & cash mgmt

Retail & wealth solutions

Business development

Networking & COIs

Customer acquisition

Consultative selling

Building productive relationships

Education

Bachelor's Degree + 4 years' experience in commercial/business lending

High School Diploma or GED/Equivalent + 8 years' experience in commercial/business lending

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 develop and maintain an active prospect list, customer outreach plan and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships.

Responsibilities & Qualifications

In this role you will get to:

• Make an impact by contributing to the growth of the bank through business loans, deposits and fee income.
• Leverage your network to engage with local business owners and companies to develop business lending opportunities.
• Represent the bank in the community by attending and participating in civic, community and networking events.
• Engage in an efficient loan approval process with open communication and exposure to credit partners.
• Be part of a collaborative team with various bank partners to support and deepen the full client relationship.

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

Customer Acquisition

Consultative Selling

Builds Productive Relationships

Qualifications: Minimum Required Education and Experience: Bachelor's Degree and 4 years' experience OR High School Diploma or GED/Equivalent and 8 years' experience in Commercial or business lending, credit or business development

Additional Requirements:

Business development experience

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

Additional Information

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 #LI-AM3