Business Banker

First Citizens; Lenoir (NC); On-site; USD 70,000 - 100,000; Full time

Job summary

First Citizens Bank is seeking a Business Banker to develop and expand relationships with local business owners, typically serving firms with $1–$10MM in annual revenue. You will own prospecting, referrals, and the full banking relationship, including deposits and cash management solutions.

The role emphasizes structured sales processes, financial guidance, and collaboration with internal partners to meet lending and growth objectives in the community.

Qualifications

• Bachelor's Degree with 4+ years’ experience in commercial or business lending, credit or business development.
• Alternatively, a High School Diploma or GED with 8+ years in the same fields is acceptable.
• Must possess a valid driver’s license due to frequent travel between offices.

Responsibilities

• Achieve sales, production and relationship goals aligned to community needs.
• Prospect and reference sources to generate new business and CRA opportunities.
• Provide financial guidance and collaborate with internal partners to manage full relationships.

Skills

Structured sales process

Financial guidance

Sales planning

Financial analysis

Credit underwriting

Business lending knowledge

Deposit & cash management

Retail & wealth solutions knowledge

Business development

Networking & influence

Education

Bachelor's Degree

High School Diploma or GED

Job description

Overview

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

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

• 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

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. - IO

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.