Business Banker

City National; Miami (FL); Presencial; USD 85.000 - 110.000; Tempo integral

Benefícios oferecidos por esta vaga

Health coverage

Retirement savings

PTO & holidays

Wellness resources

Resumo da vaga

City National Bank of Florida is seeking a Senior Business Banker to coordinate with the sales team, build and sustain business banking relationships, and lead credit underwriting processes. The role focuses on serving clients generating under $20 million in gross sales and expanding deposits and loans within the assigned territory.

You will mentor a team, manage client portfolios, and contribute to CRA goals while delivering tailored financial solutions and risk-aware growth for local

Qualificações

• 5-7 years of bank business development experience.
• 2+ years of bank lending experience with credit analysis.
• Must meet sales goals and maximize cross-sell opportunities.
• Exceptional consulting skills to deepen relationships.
• Strong analytical skills for financial data interpretation.
• Professional presentation skills.
• Knowledge of credit structuring and processing; credit trained preferred.
• Excellent communication and organizational skills.

Responsabilidades

• Meet and exceed sales goals across deposits, loans, and other metrics.
• Expand relationships and generate new business through referrals and outreach.
• Assess creditworthiness via financial statement analysis under risk standards.
• Lead a team of sales professionals to meet revenue targets.
• Identify cross-selling opportunities and nurture the book of business.
• Maintain relationships with top clients and conduct regular reviews.
• Develop proposals and strategies for client situations.
• Collaborate with partners to drive banking center success.

Conhecimentos

Business development

Sales

Credit analysis

Consulting skills

Communication

Negotiation

Relationship building

Credit underwriting

MS Office

Formação

Bachelor's Degree in Business Administration

Ferramentas

Microsoft Office

Descrição da vaga

About Us

Think BIG. Achieve More.

At City National Bank of Florida, we invest in our people and the communities we serve. Join a team where ambitious careers and meaningful relationships thrive together. We’re entrepreneurs at heart—growing fast, making an impact, and shaping the future of banking in Florida. To learn more about City National Bank of Florida visit About Us!

Overview

The Business Banker coordinates at a senior level with the sales team to establish, build, and sustain business banking relationships with companies generally generating less than $20 million in gross sales. Responsible for driving success and growth within their assigned sales territory. As the primary relationship manager for the Bank, they oversee client interactions and are actively involved in the credit process, including Credit Underwriting, Portfolio Management and Review, Risk/Credit grading, and risk identification and management. Portfolio management responsibilities encompass servicing, covenant compliance, and collateral monitoring. The role includes setting high expectations, fostering workforce stability by attracting, developing, and retaining talent, and supporting the team through coaching while modeling the bank's core values. Additionally, the Business Banker plays an active role in their local banking center community and contributes to fulfilling the Bank's CRA (Community Reinvestment Act) requirements.

Principal Duties & Responsibilities

• Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposits, loans, and other applicable metrics.
• Independently expands existing relationships and solicits new business through client referrals and cold-calling efforts outside of the banking center to align with or exceed the Bank’s strategic goals.
• Independently analyzes credit checks worthiness, and conducts preliminarily financial statement analysis against bank risk standards and applicable product requirement to preliminarily determine potential credit worthiness.
• Provides leadership to a team of sales professionals, ensuring they meet or exceed established sales and revenue targets.
• Collaborates closely with the team to generate, identify, qualify, and prioritize new prospects as well as nurture the existing book of business.
• Regularly contacts the top 20 loan and deposit clients monthly via phone or in person to maintain relationships and identify cross-selling opportunities.
• Conducts research on existing clients through various sources to uncover additional cross-selling opportunities.
• Focuses on increasing core deposits and actively contributes to loan funding.
• Develops sales proposals and strategies at an expert level.
• Possesses comprehensive knowledge of the market, competitors, and maintains a strategic outlook for business growth.
• Demonstrates expert-level understanding of all bank products and services.
• Establishes, expands, and maintains referral sources.
• Conducts thorough pre-call planning and prepares worksheets prior to joint client appointments.
• Independently assesses and meets clients' financial needs by analyzing their financial profiles and relevant documentation such as tax returns, credit reports, personal financial statements, and debt schedules.
• Documents the relationship management process.
• Guides clients in analyzing financial issues and recommends suitable solutions.
• Acts as a client advocate in securing appropriate credit and cross-selling products and services.
• Evaluates business, management, industry, financial, and structural risks and documents assessments in credit approval documents.
• Organizes and leads complex sales initiatives, including customized proposal generation.
• Develops and maintains strong relationships with all partners.
• Contributes actively to banking center success through participation in sales campaigns, banking center activities, and community organizations.
• Structures and completes secured and unsecured business loans, ensuring compliance with policy and presenting deals to the Risk team.
• Participates in all required branch meetings and weekly joint calls or prospecting sessions with Small Business Bankers, followed by coaching sessions and completion of required coaching forms.
• Adheres to the requirements of the S.A.F.E. Act and follows procedures, including notifying Human Resources of any changes in current status.

Qualifications

• 5-7 years of bank business development experience.
• 2 + years of bank lending experience, which includes credit analysis.
• Must be highly capable of meeting sales goals, independent activity in direct banking sales and credit support as well as maximizing cross-sell opportunities and relationship profitability.
• Exceptional consulting skills; ability to probe, listen, clarify and present information to advance sales transactions, deepen relationships.
• Demonstrated analytical skills and ability to assimilate complex financial and company operating information.
• Professional presentation skills.
• Strong working knowledge of credit structuring and processing; credit trained preferred.
• Highly effective communication and influence skills.
• Superior organizational skills.
• Excellent business development skills.
• Intermediate PC skills, knowledge of Microsoft Office software, and referral tracking programs.

Education

• Bachelor's Degree in Business Administration.

Benefits & Perks

We offer a competitive benefits package designed to support your success:

• Health Coverage: Medical, dental, and vision plans with employer contributions.
• Retirement Savings: 401(k) with matching.
• Paid Time Off & Holidays: Generous PTO and paid holidays.
• Wellness Support: Access to mental health and financial wellness resources.

Visit our benefits page to learn more Benefits!

Join City National Bank of Florida. The possibilities are endless.

Special information to candidates

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information.

Applicants who require a reasonable accommodation to participate in the interview process should contact [e-mail] in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.