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) plan

Paid time off

Paid holidays

Job summary

Carter Bank in Raleigh, NC seeks a Business Banker to develop an active prospect list and lead client outreach for companies across revenue bands. You will be the primary contact for borrowing needs and provide expertise in deposits and cash flow management.

Collaborating with internal partners, you will build full banking relationships, participate in community events, analyze applicants' financials, and manage a large loan portfolio with strong risk controls to enhance customer experience.

Qualifications

• Business development and credit experience required.
• Bachelor’s degree preferred in business/finance.
• Strong financial analysis and credit underwriting skills.

Responsibilities

• Grow bank lending, deposits, and fee income.
• Develop lending opportunities with local business owners using your network.
• Guide clients to achieve their financial goals with suitable solutions.

Skills

Financial analysis

Credit underwriting

Sales planning

Forecasting

Customer service

Verbal communication

Written communication

Microsoft Office

Education

Bachelor's degree in business/finance

High school diploma

Tools

Microsoft Word

Microsoft Excel

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.