Business Banker II

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

Benefits offered by this job

Medical, dental, vision

401(k)

Paid time off

Job summary

Carter Bankshares in Greensboro, NC is seeking a Business Banker to build and manage relationships with local companies generating $1–$10MM in revenue. You will originate business loans, deposits, and fee income while guiding clients through cash management solutions and strategic financial planning.

You will collaborate with internal partners to deliver full banking relationships, analyze creditworthiness, and support the sales plan while representing the bank in community events and networking

Qualifications

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

Responsibilities

• Develop and grow loan, deposit, and fee income.
• Engage with local business owners to create lending opportunities.
• Assess clients' financial goals and propose solutions.
• Collaborate with bank partners to deepen relationships.
• Represent the bank at community events and networking opportunities.
• Analyze financial statements and collateral to determine creditworthiness.
• Support efficient loan approval with clear communication.
• Manage a large loan portfolio with risk management and customer experience in mind.

Skills

Financial analysis

Credit underwriting

Business lending

Cash management

Financial guidance

Sales forecasting

Customer service

Communication

Time management

Education

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

Tools

Microsoft Excel

Microsoft Word

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.