Business Banker

City National Bank (CNB); Miami Beach (FL); On-site; USD 70,000 - 110,000; Full time

Job summary

City National Bank of Florida is seeking a results-driven Business Banker to serve as the primary relationship manager for a portfolio of business clients generating under $20 million in gross sales. You will drive growth by developing new business, managing client relationships, and delivering tailored financial solutions.

The role requires credit analysis expertise, portfolio management, and business development, with a track record of meeting sales goals and cross-selling opportunities.

Qualifications

• 5–7 years of business banking experience, including 2+ years in lending and credit analysis.
• Strong business development, consulting, and relationship management skills.
• Credit structuring, financial analysis, and risk management knowledge; credit training preferred.

Responsibilities

• Drive Business Growth: Meet and exceed sales goals across deposits, loans and key metrics.
• Build Relationships: Expand existing clients and acquire new business via referrals and outreach.
• Analyze Credit: Perform preliminary financial statement analysis aligning with risk standards.
• Lead and Collaborate: Guide sales teams and coordinate with internal partners for a seamless client experience.
• Portfolio Management: Oversee client portfolios, monitor covenants, collateral, and risk.
• Client Engagement: Maintain regular contact to identify cross-selling opportunities.
• Market Expertise: Stay informed on market trends and competitive opportunities.
• Community Involvement: Engage with community organizations to support CRA requirements.

Skills

Business development

Consulting

Relationship management

Education

Bachelor's degree in Business Administration or related field

Tools

Microsoft Office

CRM tools

Job description

Overview

About the Role

Are you a results-driven professional with a passion for building strong business relationships? As a Business Banker, you’ll serve as the primary relationship manager for a portfolio of business clients, focusing on companies generating less than $20 million in gross sales. You’ll drive growth by developing new business, managing client relationships, and delivering tailored financial solutions. This role is ideal for a seasoned banker with expertise in credit analysis, portfolio management, and business development.

What You’ll Do

• Drive Business Growth: Meet and exceed individual and team sales goals, including deposits, loans, and other key metrics.


• Build Relationships: Expand existing client relationships and acquire new business through referrals, networking, and targeted outreach.


• Analyze Credit: Conduct preliminary financial statement analysis and creditworthiness assessments to align with bank risk standards.


• Lead and Collaborate: Provide leadership to the sales team, develop sales strategies, and collaborate with internal partners to deliver a seamless client experience.


• Portfolio Management: Oversee client portfolios, ensuring covenant compliance, collateral monitoring, and risk management.


• Client Engagement: Maintain regular contact with top clients to identify cross-selling opportunities and deepen relationships.


• Market Expertise: Stay informed about market trends, competitors, and opportunities for business growth.


• Community Involvement: Actively participate in community organizations and events to represent the bank and fulfill CRA (Community Reinvestment Act) requirements.

Key Responsibilities

• Develop and execute sales proposals and strategies to grow core deposits and loan funding.


• Structure and complete secured and unsecured business loans, ensuring compliance with bank policies.


• Conduct pre-call planning and prepare for joint client appointments with Small Business Bankers.


• Act as a client advocate, recommending financial solutions and cross-selling bank products and services.


• Evaluate business, industry, and financial risks, documenting assessments in credit approval documents.


• Participate in branch meetings, sales campaigns, and coaching sessions to support team success.

Qualifications

What you Bring

• Experience: 5–7 years of business banking experience, including 2+ years in lending and credit analysis.


• Skills: Strong business development, consulting, and relationship management skills. Proven ability to meet sales goals and maximize cross-sell opportunities.


• Knowledge: Expertise in credit structuring, financial analysis, and risk management. Credit training preferred.


• Education: Bachelor’s degree in Business Administration or a related field required.


• Tech Savvy: Proficiency in Microsoft Office and CRM tools.


• Communication: Exceptional verbal, written, and presentation skills.

Education

• Bachelor's Degree in Business Administration or a related field


• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Special Instructions 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 interview process, the use of AI wearables, AT tools, AI applications, or other external assistance is strickly prohibited.

Accommodations

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at [e-mail]