Business Banker II

Carter Bank; Raleigh (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 Bank in Raleigh, NC is seeking a Business Banker to develop and maintain an active prospect list and customer outreach plan for companies generating $1–$10MM in annual revenue. You will be the primary contact for borrowing needs and provide expertise in deposit and cash flow management.

You will collaborate with internal partners to build and manage full banking relationships, participate in community events, and assess loan applications, guiding credit decisions through a collaborative

Qualifications

• Analytical assessment of financials and credit for loan prospects.
• Structured approach to lending and risk assessment.
• Ability to translate financial data into actionable guidance.

Responsibilities

• Grow bank business through loans, deposits and fee income.
• Engage with local business owners to develop lending opportunities.
• Help clients reach their financial goals with tailored solutions.
• Collaborate with bank partners to deepen client relationships.
• Represent the bank at community events and networks.
• Analyze applicants' financial status, credit, and collateral for loan decisions.
• Support efficient loan approvals with clear communication.

Skills

Financial analysis

Credit underwriting

Business lending knowledge

Deposit & cash management

Financial guidance

Sales planning & forecasting

Customer service

Communication skills

Time management

MS Office (Word & Excel)

Education

High school diploma or equivalent

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

Tools

Microsoft Office

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 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: $69,459.19 - $120,839.95 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.

• medical
• dental
• vision
• life insurance
• disability coverage
• other voluntary benefits
• 401(k)
• paid time off
• paid holidays