Business Banker

City National Bank of Florida; Miami (FL); On-site; USD 80,000 - 120,000; Full time

Benefits offered by this job

Health Coverage

401(k) with matching

Paid Time Off & Holidays

Wellness Resources

Job summary

City National Bank of Florida is seeking a seasoned Business Banker to build and sustain business banking relationships with smaller companies in the Miami area. You will manage the credit process, including underwriting and risk assessment, while driving deposit and loan growth.

The role requires leadership, client collaboration, and the ability to deliver tailored financial solutions. Strong analytical and interpersonal skills are essential.

Qualifications

• 5-7 years of bank business development experience.
• 2+ years of bank lending experience with credit analysis.
• Proven ability to meet sales goals and maximize cross-sell opportunities.
• Strong consulting, analytical, and presentation skills.
• Knowledge of credit structuring and risk assessment is preferred.

Responsibilities

• Meet and exceed sales goals for deposits, loans, and related metrics.
• Expand relationships through referrals and targeted outreach beyond the branch.
• Analyze creditworthiness and financial statements per bank risk standards.
• Lead and coach a team of sales professionals to achieve targets.
• Develop proposals and strategies, and manage cross-selling opportunities.
• Maintain relationships with top clients and monitor risk factors.
• Collaborate with partners to deliver comprehensive banking solutions.

Skills

Sales goals achievement

Credit analysis

Relationship management

Financial statement analysis

Communication and presentation

Strategic mindset

Coaching leadership

CRM software

Education

Bachelor's Degree in Business Administration

Tools

Microsoft Office

CRM software

Job description

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.