Business Banker

Plains Commerce Bank; Sioux Falls (SD); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical, Dental and Vision

401K and Profit Sharing

Paid Vacation

Life Insurance

Short/Long Term Disability

Job summary

Plains Commerce Bank is seeking a banking professional to assist clients with daily transactions, support senior bankers, and develop tailored financial solutions. You will build new relationships, analyze financial data, and help grow loan and deposit portfolios in a collaborative branch environment.

Candidates should have lending experience, strong communication, and a client-focused approach, with willingness to travel for offsite meetings as needed.

Qualifications

• Three to five years of prior lending experience preferred.
• Customer service skills to build and maintain client relationships.
• Clear and professional verbal and written communication.
• Attention to detail in transactions and records.
• Problem-solving to identify issues and provide solutions.
• Sales and cross-sell banking products to clients.
• Strong time management and ability to prioritize tasks.
• Analytical skills to assess financial data and support lending decisions.
• Teamwork and collaboration with colleagues and senior bankers.
• Understanding of banking products and services.
• Knowledge of credit risk assessment and loan underwriting processes.
• Familiarity with banking regulations and compliance requirements (KYC, AML).
• Knowledge of risk management in lending and investments.
• Familiarity with banking systems and tools for account management and analysis.
• Awareness of market trends and their impact on banking operations.
• Ability to communicate clearly, orally and in writing.
• Ability to multi-task and work under stress and pressure.
• Dependability, trustworthiness, and confidentiality.
• Willingness to travel to offsite locations as needed.

Responsibilities

• Assist clients with daily banking transactions, including deposits and withdrawals.
• Support senior bankers in managing client relationships and cross-selling banking products.
• Build relationships with new and existing clients to understand needs and offer tailored solutions.
• Conduct financial analyses and assist with credit assessments for loan applications.
• Contribute to growth of loan and deposit books by identifying lending opportunities.
• Ensure compliance with banking regulations and internal policies.
• Manage and follow up on loan applications and ensure timely processing.
• Respond to inquiries, resolve issues, and maintain high customer satisfaction.

Skills

Lending experience

Customer service

Communication

Attention to detail

Problem solving

Sales

Organizational skills

Analytical skills

Teamwork

Regulatory compliance

Risk management

Banking software

Market awareness

Multi-tasking

Confidentiality

Tools

Banking software

Job description

Position Purpose

This position is primarily responsible for supporting clients by providing banking services, managing transactions, and assisting with financial solutions while gaining experience and developing skills for career growth in the banking industry. This role involves working closely with business and ag clients to manage their financial portfolios, support their growth, and ensure their banking requirements are met efficiently.

Qualities of the successful candidate include:

• Three to five years of prior lending experience preferred
• Customer Service Skills: Ability to build and maintain strong relationships with clients, addressing their needs and providing effective solutions.
• Communication Skills: Clear and professional verbal and written communication to interact with clients, colleagues, and management.
• Attention to Detail: Ensuring accuracy in transactions, financial analysis, and record-keeping.
• Problem-Solving Skills: Ability to identify issues and find efficient solutions, particularly in customer service and loan processing.
• Sales and Persuasion Skills: Ability to identify opportunities to cross-sell banking products and services to existing and potential clients.
• Organizational Skills: Strong time management and the ability to prioritize tasks in a fast-paced environment.
• Analytical Skills: Ability to analyze financial data, assess client needs, and support lending decisions.
• Teamwork and Collaboration: Working effectively within a team and supporting senior bankers and other colleagues in achieving branch goals
• Banking Products and Services: Understanding of a wide range of financial products (e.g., loans, savings accounts, credit cards) and services offered by the bank.
• Financial Analysis: Basic knowledge of financial statements, credit risk assessment, and loan underwriting processes.
• Regulatory Compliance: Understanding of banking regulations, industry standards, and compliance requirements (e.g., KYC, AML).
• Risk Management: Knowledge of risk management principles and practices, especially in lending and investment activities.
• Banking Software: Familiarity with banking systems, software, and tools used for account management, transactions, and financial analysis.
• Market Trends: Awareness of current economic conditions, market trends, and their impact on banking operations and financial products.
• Must have the ability to calculate figures and have good verbal and written communication skills.
• Must be able to multi-task and work under stress and pressure.
• Must be dependable, trustworthy and maintain confidentiality.
• Must be available and willing to travel to offsite locations when the employer deems it necessary to meet business or ag needs.
• Must be able to communicate thoughts clearly, both orally and written. Must be able to communicate with co-workers, colleagues, and customers effectively and professionally.

Responsibilities of this position include (but not limited to):

• Assisting clients with daily banking transactions, including deposits, withdrawals, and account management.
• Supporting senior bankers in managing customer relationships, offering personalized financial advice, and identifying opportunities for cross-selling banking products.
• Building and nurturing relationships with new and existing clients to understand their financial needs and offer tailored banking solutions.
• Conducting financial analyses, preparing reports, and assisting with credit assessments for loan applications.
• Actively contributing to the growth of the bank's loan and deposit book by identifying potential lending opportunities and working to close deals.
• Ensuring compliance with banking regulations, internal policies, and credit risk management practices.
• Managing and following up on loan applications, ensuring timely processing and communication with clients.
• Responding to customer inquiries, resolving issues, and ensuring high levels of customer satisfaction.

We offer a competitive benefits package that includes Medical, Dental and Vision; FSA or Dependent Care; Supplemental Accident, Hospital, or Critical Illness Plans; Employer paid Life Insurance, Short Term Disability, and Long-Term Disability; and Additional Voluntary Life Insurance Options. Paid Vacation, Sick and Volunteer leave; 401K and Profit Sharing. As part of our employee benefits package, we offer exclusive perks such as discounted rates on banking and mortgage services, fee waivers, and access to special financial products. These benefits are designed to support your financial well‑being as a valued member of our team.

Compensation for positions is based on the specific position and may be paid in the form of an hourly wage, overtime, a semi-monthly salary, commissions, or a combination of them. Depending on the specific position, some may be paid solely on commissions or others may include a bonus structure.

Plains Commerce Bank is an affirmative Action/Equal Opportunity Employer committed to providing equal employment opportunity without regard to an individual’s race, religion, color, gender, national origin, ancestry, age, sexual orientation, disability, or veteran status.