Business Banker

First Citizens Bank; St. Louis (MO); On-site; USD 70,000 - 110,000; Full time

Job summary

First Citizens Bank is seeking a Business Banker to build and maintain relationships with business owners in the St. Louis market. The role includes ownership of a commercial portfolio and lending authority up to $5MM, with access to the bank's broad partner network for comprehensive solutions.

The position emphasizes relationship-building, new business development, and acting as a trusted advisor to local owners. A Bachelor's degree with several years in lending or a related field is expected.

Qualifications

• Bachelor's degree with 4+ years of experience OR High School Diploma/GED with 8+ years in commercial or business lending, credit or development.
• Experience in commercial banking, relationship management and loan product knowledge.
• Ability to develop and manage a commercial portfolio and to support credit opportunities up to $5MM.

Responsibilities

• Develop and manage relationships with business owners in the St. Louis market.
• Achieve individual and team financial, production and relationship metrics; drive community-based lending.
• Engage customers, prospects and referral sources; represent the bank at events to generate business and CRA opportunities.
• Ensure regulatory compliance and risk management; maintain accurate transactions and operational efficiency.

Skills

Relationship management

Business lending

Financial analysis

Sales planning

Networking

Deposits & cash management

Education

Bachelor's degree

High School Diploma or GED

Job description

Overview

First Citizens is seeking a Business Banker to develop and manage relationships with business owners throughout the St. Louis market. The role offers ownership of a commercial portfolio, lending authority supporting credit opportunities up to $5MM, and access to a broad partner network to deliver comprehensive banking solutions. What stands out is the bank's combination of financial strength, relationship-focused culture, and commitment to helping businesses grow for the long term. This is an opportunity for a banker who enjoys building community relationships, winning new business, and serving as a trusted advisor to local business owners.

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.

Position Specific Skills:

• Providing financial guidance and expertise
• Sales planning and forecasting
• Financial analysis
• Knowledge of business lending, deposit and cash management solutions
• Business development
• Networking and building centers of influence

Qualifications:

• 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

"This position may be filled as a Business Banker II or III based on the skills and experience of the selected candidate."

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 benefits.