Business Banker II

Carter Bankshares in; Greensboro (NC); On-site; USD 69,000 - 121,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability coverage

401(k)

Paid time off

Paid holidays

Job summary

Carter Bankshares in Greensboro, NC is seeking a Business Banker to build and manage relationships with local businesses, handling loan opportunities and cash management solutions. You will work with internal partners to deliver full banking services.

The role requires evaluating creditworthiness, developing a prospect pipeline, and representing the bank in the community through events.

Qualifications

• High school diploma or equivalent; bachelor’s degree preferred.
• Business development experience required.
• Prior experience in business lending and/or credit required.

Responsibilities

• Develop and manage growth in loans, deposits, and fee income.
• Engage with local business owners to develop lending opportunities.
• Analyze applicants' financial status and credit to determine loan worthiness.
• Manage loan portfolio and coordinate with credit partners.
• Represent the bank at community events.
• Collaborate with bank partners to deepen client relationships.
• Provide financial goals guidance to clients.

Skills

Financial analysis

Credit underwriting

Business lending

Sales forecasting

Customer service

Communication

MS Office

Education

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

High school diploma or equivalent

Tools

Microsoft Word

Microsoft Excel

Microsoft Office

Job description

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 preferred
• Business 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

Salary Pay Range: $69,459 - $120,839 annually

Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays.