Business Banker

First Citizens; Miami (FL); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Competitive benefits

Job summary

First Citizens Bank is seeking a Business Banker to grow and manage relationships with business owners in the local community. You will lead outreach, provide financial guidance, and coordinate with bank partners to deliver deposit and cash management solutions.

The role emphasizes sales excellence, risk awareness, and community involvement. You will engage prospects, analyze financials, and underwrite credit requests while aligning with CRA opportunities.

Qualifications

• Bachelor's degree or higher with relevant experience.
• Experience in commercial or business lending and credit.
• Ability to provide financial guidance and expertise.
• Sales planning and forecasting experience.
• Valid driver's license; frequent travel to other offices/customers.

Responsibilities

• Apply a structured sales process to generate and manage new relationships.
• Provide financial guidance and expertise to business customers.
• Plan and forecast sales to meet targets and community needs.
• Conduct credit underwriting and financial analysis for loan requests.
• Develop COIs and referral sources to expand business reach.

Skills

Sales process

Financial guidance

Sales planning

Financial analysis

Credit underwriting

Business lending knowledge

Deposit & cash management

Networking & COIs

Education

Bachelor's degree or higher

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 develop and maintain an active prospect list, customer outreach plan and quality referral sources. They are the primary contact for borrowing needs, on average, up to $2MM and engage bank partners to provide a full range of deposit and related business services. Larger relationships may be managed with manager approval and appropriate partner support.

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.

• 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

• 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
• Established COIs 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

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.