Business Banker

First Citizens Bank; Jacksonville (FL); On-site; USD 65,000 - 105,000; Full time

Job summary

First Citizens Bank in Jacksonville, FL is seeking a Business Banker to grow and manage a portfolio of commercial banking relationships. You will originate and service loans up to $5MM, provide deposit and cash management solutions, and collaborate with partners to deliver full-spectrum banking services to business owners.

You will leverage your network to develop lending opportunities, attend community events, and drive referral-based growth while maintaining a high standard of credit quality

Qualifications

• Bachelor's degree and 4+ years in commercial lending or business development.
• Alternative: high school diploma/GED with 8+ years in relevant fields.
• Experience in credit or business lending.

Responsibilities

• Grow bank relationships through business loans, deposits and fees.
• Engage local business owners to create lending opportunities.
• Represent the bank at civic events to expand community presence.
• Participate in the loan approval process with credit partners.
• Collaborate with bank partners to deepen client relationships.

Skills

Structured sales process

Financial guidance

Sales forecasting

Financial analysis

Credit underwriting

Business lending knowledge

Cash management knowledge

Wealth solutions awareness

Business development

Networking

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.

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.

This position may be filled as a Business Banker II or III based on the skills and experience of the selected candidate.

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

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.