Business Banker II

Carter Bank; Charlotte (NC); On-site; USD 60,000 - 80,000; Full time

Job summary

A prominent financial institution in Charlotte, NC is seeking a Business Banker to develop and maintain client relationships, focusing on business loans for companies with revenues between $1-$10MM. The successful candidate will leverage their network to engage clients, conduct financial analysis, and provide expert guidance. This role demands strong interpersonal skills, a background in finance, and the ability to thrive in fast-paced environments.

Qualifications

• Prior experience in business lending and/or credit required.
• Business development experience required.

Responsibilities

• Contribute to growth through business loans, deposits, and fee income.
• Engage with local business owners to develop lending opportunities.
• Analyze financial status, credit, and collateral for loan applicants.

Skills

Intermediate financial analysis and credit underwriting skills

Excellent customer service and problem solving skills

Strong verbal and written communication skills

Education

High school diploma or equivalent

Bachelor's degree in business, finance, accounting, or related field

Tools

Microsoft Office products

Job description

Business Bankers develop and maintain an active prospect list, customer outreach plan, and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships.

SUMMARY

Business Bankers develop and maintain an active prospect list, customer outreach plan, and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships.

ESSENTIAL JOB FUNCTIONS

• Make a significant impact by contributing to the growth of the bank through business loans, deposits, and fee income
• Leverage your network and centers of influence to engage with local business owners and companies to develop business lending opportunities
• Work with clients to identify their financial goals and find ways of reaching those goals
• Be part of a collaborative team with various bank partners to support and deepen the full client relationship
• Represent the bank in the community by attending and participating in civic, community, and networking events
• Analyze applicants' semi-complex financial status, credit, and collateral to determine creditworthiness of prospective loans
• Engage in an efficient loan approval process with open communication and exposure to credit partners
• Actively and consistently manage large loan portfolio to ensure appropriate risk management and enhance customer experience

JOB REQUIREMENTS

• High school diploma or equivalent required, Bachelor's degree in business, finance, accounting, or related field preferredBusiness development experience required
• Prior experience in business lending and/or credit required

KNOWLEDGE/SKILLS REQUIRED

• Intermediate financial analysis and credit underwriting skills
• Intermediate knowledge of business lending, deposit and cash management solutions
• Intermediate ability to provide financial guidance and expertise
• Intermediate knowledge of sales planning and forecasting
• Excellent customer service and problem solving skills
• Strong verbal and written communication skills
• Ability to perform effectively in fast-paced environment and meet deadlines
• Knowledge of Microsoft Office products, especially Word and Excel

PHYSICAL AND MENTAL QUALIFICATIONS

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.